It's government that delegated most of their money or more precisely currency issuance power to many entities some of them banks through many schemes like fractional reserve banking and quantitive easing just to name those 2. At the base of which money really is created out of nothing, not my word but the exact words of Maurice Allais Nobel Prize in Economics just to name this one person. You can look at the second post of this series if you're interested to learn more.