> which means banks are creating money without actual assets backing it up
It means they're creating money. That money is backed by actual assets; that is, for example, what's going on when someone forecloses on your house.
> I was talking about bank loans to the account owners that they take to purchase/invest/etc., with added interest.
How does this work with the comment "The loan is a fake number that gets transferred from your account (as debt) to theirs, as digital numbers too, all under the 'trust' that you can withdraw all of it one day"?
A loan from the bank to you is generally withdrawn in full, immediately, because you need to use it to pay for something else. A loan that isn't withdrawn in full isn't called a loan, it's called a line of credit.