The income of the personal or public end consumer in the form of wages or in the form of tax exemptions is always less than the mass goods created during the accounting period. Therefore, the decrease in the price of goods for the end consumer in the current period does not affect the balance of money and commodity mass in future periods, under all equal conditions. Reducing the price by the amount of the first loan in the balance of supply and demand does not generate inflationary processes.

Neither the construction company (manufacturing enterprise) nor the commercial bank can reduce the price for the consumer by the amount of the first loan. The only public institution that can reduce the price of the end consumer by the amount of the first loan is the lender of last resort due to its specific position on the materialization of money and due to its assets always equal to all material and professional resources of society. The accounting department of the central bank (credit debit) does not coincide with the size of its real assets. The evidence is the loss of 320 billion euros in one day of the Bank of Russia (2022), which did not affect its credit capabilities for lending and refinancing the loan of current operations of the domestic market -. of the country's economy.