You like many people are confusing money with resources. If I make 100 trillion dollars from thin air you can't actually build 10x the number of houses.

What's really happening is an allocation of resources. Banks can only back specific kinds of investments which approximate zero sum as you keep pumping ever more resources in ex: Real Estate. yes, everyone wants shelter. So, we can all get a 100,000 sf house! Well, no.

However, you can increase the money supply without simply handing banks all that money just increase reserve requirements as your pumping money into the economy.