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>You can't pay your groceries by taking a loan from yourself,

pay using credit card and then repay the the cc (with interest) over the next few months / years.

This isn't a loan from yourself though.

If we would get into details and that all that money is virtual I think at some level it really is just a loan from your future self.

That would be also applicable to all loans. So yeah country would loan from future generations and they will have to pay it back.

Some credit cards have 0% apr for 12 months though

yes. that is like QE at microeconomics level. nudges people to take on more debt .

What I don't understand about those, is like... you can basically just make the "minimum payment" for 12 months straight? So if you spend 15k in that timeframe, you basically free up 15k in capital that can be invested? It's like a 0% loan.

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