Say it with me: marginal cost matters. Even if banks aren’t reserve constrained (making supply inelastic), demand still slopes downwards, meaning you’re still clearly wrong (in addition to the empirical studies I linked to that proved this over, and over, and over). And here is more:

https://www.aeaweb.org/articles?id=10.1257/0002828042002651

https://www.nber.org/papers/w6400

This is exactly where MMT becomes a laughing stock among credible economists: making claims that fly in the face of all empirical evidence. Crowding out is a real effect: there is no debate on this point among leading economists.