The "Owns What" in your analogy has me confused. Money is potential to receive what but it's not about the "what" yet. Its power is the optionality. If you replace the "What" with "How Much" as in

Money = Who Owns How Much
Credit = Who Owes How Much To Whom

I'd be more satisfied but I would reduce it to

Money = Who is owed
Credit = Who is owed By Whom

If that latter "Whom" can will into existence credit at no cost, you have slavery.