Interesting observation, thanks. I hope the explanation makes it clear that no such political hierarchy is intended. New money begins with an individual's desire to contribute their productive labour to society. Because new tangible wealth will be created, new money to represent the trading value of that wealth must also be simultaneously created. The power and control over money creation rests with individuals who are willing to contribute their productive labour to society, not with an elite group of financiers.The credit bank is only there to serve individuals not restrain them.