There is no forfeit for banks if they increase the money supply

Money is not printed exclusively by the government. Commercial banks are allowed to print money. The shocking part (as far as ethics is concerned) is not strictly that banks print money (it is not the fault of the banks, that they do this) more alarming is that they are permitted to do this by the government.

Money is no more than a government promise and since bank liabilities are guaranteed by the government then banks are allowed to print money.