Practically nonexistent since August 15th, 1971 in the USA and all other countries with central "banks".
A tiny few of gold and silver hoarders still have tiny remnants of it, here and there.
Bill Gates and the Queen of England are among the very, very marginal exceptions (re: "the tiny remnants").
Actual Credit defined (for it to exist) vs. Fake (State) Credit:
"Cyril" pronounced "see real". I code stuff.
"To study and not think is a waste. To think and not study is dangerous." -- Confucius
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