Ok. You go into a bank to take out a loan. You sign a note promising to pay and they push a pile of FRNs to you in the form of bank credit which you use to aquire goods or services you wouldn't otherwise been able to get. What you've promised to repay in exchange is the same FRNs you got, plus rent for their use. {not necessarily the same physical FRNs, but just FRNs in general whether they be electronic or physical} ...and the "you" I am using is in third party and could include anyone, not just you, because I know you'd never do such a thing as sign a promisory note for FRNs yourself.