The money appears and disappears as the result of fractional reserve banking. The analogy with your parents loaning you the money is incorrect because your parents cannot engage in fractional reserve monetary creation.
It actually has nothing to do with the central bank - fractional reserve banking has a much longer history than central banking.
You never specified that loans must come from entities with reserve requirements. Not all loans originate from such entities so your statement should not be taken as absolute fact.
It actually has nothing to do with the central bank - fractional reserve banking has a much longer history than central banking.