In all its countless variations and applications, “credit” means money, i.e., unconsumed goods, loaned by one productive person (or group) to another, to be repaid out of future production. Even the credit extended for a consumption purpose, such as the purchase of an automobile, is based on the productive record and prospects of the borrower. Credit is not . . . a magic piece of paper that reverses cause and effect, and transforms consumption into a source of production.