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some engineers and average person sees the entire fiat money as something that needs to be "earn" or get returns from investments only. they dont see how it's literally created as free and out of nothing.

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Very true but also understandable because that's how most households perceive it from their micro-economic standpoint. But its very deceptive because it suffers from a fallacy of composition. If households want to earn more than they spend (i.e. save), some other entity must spend more than they earn. This can be somebody taking a mortgage or the government running a deficit. Debt and savings are mirror images of the same thing, two sides of the same coin and we use double-entry book keeping to track them.

It is very insightful to view money as a creature of accounting for debtor-creditor relations rather than thinking of it as some kind of commodity.

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