Salmo, my point on investing is that there is only one finite pool of money which changes hands daily. In the sense of the bond market there is a trade off where a borrower benefits and the loaner also benefits in the form of interest. Similar to your example. But the interest is not new money. The borrower has lost some wealth in return for the benefit of a loan. Winners and losers is just an analogy for the distribution of wealth. But the only way there cannot be winners and losers is to produce more money which simply causes inflation, devaluation of the dollar and nobody wins or loses...in theory anyway.