The actual example was I borrow your hammer on a $5 lease or some crap. I then build a house and rent it out, and take the collected rent to build another house and buy more hammers. Then I hire guys to build houses with my hammers and collect even more rent. Soon I own the whole city and I'm fabulously wealthy and all because I borrowed your hammer. I turned $5 into millions and that delta is the surplus value of the hammer. And thats like, totally not fair and stuff. Capital creation isn't right. Capital should be like fixed and junk. Finite capital, bro!