You realize when you put money in the bank that the reason you receive interest is because the bank is loaning a portion of your funds, right?
Both parties have a claim on that $90 that the bank no longer holds.
The borrower doesn't have a claim, he actually has the $90. The depositor has a claim.
You realize that this has nothing to do with the question, which was how does turning a $100 deposit into a $100 claim and a $90 loan equate to counterfeiting, right?