you are nit picking, creating straw man arguments, and dragging this dialectic further and further away from the original argument, that federal reserve notes represent debt. I stand by my assertion that any and all federal reserve notes in circulation be they physical paper or characters on a computer screen, represent a debt owed by the US government/taxpayers to the federal reserve bank. Even the money created via fractional reserve banking by your bank for your hypothetical car loan was made possible only by incuring an initial debt to the federal reserve.
How is the money created by my auto loan a debt owed by the government to the Fed?
your hypothetical car loan was made possible only by incuring an initial debt to the federal reserve.
Initial money created by the Fed is only a small part of total money supply.