The money you spend daily is a record of your bank’s debt to you. Demand deposits are created only when loans are issued. Therefore, there will always be a greater demand for money (principal + interest) than there is a supply of money (principal). Over time the compounding interest concentrates wealth while passing off interest expenses to consumers via price hikes, and they call this “inflation.” Inflation is not natural to a purely capitalist economy. Inflation is only endogenous in debt-based monetary systems.