You seem to be just tying yourself in knots.
Of course, in real life, the situation is more complicated. There are millions of people and millions of overlapping loans taking place at the same time.
This doesn’t change the fact that there is no fundamental difficulty involved in paying off a $110 debt, with only $100 of actual money. You can also pay off $110 with only $10 of money, if you simply use the same $10 note eleven times.
You also seem to be getting confused about money being ‘destroyed,’ but it doesn’t really work quite like that. Account money can be taken off the books, but that simply creates space for replacement account money to be created, based on the same reserve ratio with actual cash.
Of course, if you don’t want to take my word for any of this, you are welcome to study to become an economist yourself. This is a good place to start:
Or you can pay for Economics lessons. I don’t think it’s reasonable, however, that I should be expected to take you through all the steps myself, here on Medium, free of charge. You are, however, welcome to get in touch via my website.
Have a great day!