You're right, our money is the bank's money. Same thing if you "own" a house, if it's not paid off, the bank owns it. If it is paid off, the government owns it and they will kick you out if you don't pay them thousands of dollars per year to live on the property.

And while you pay a lot of money to the government in "property taxes", they can tell you what you can and can't do on the property since they are the real owners.