My point is that unless you have someone with the money to lend, you'll never get paid. Money doesn't grow on trees. The point of these examples is that you can't go backward forever. There has to be a starting point. The lamp has to be attached to something or it won't hang.
Somebody has to have the money to lend in the first place for anyone to borrow the money.
Yes, but I'm adding something, too. I'm saying that you can't conceive a world of nothing but contingent beings. There must be a Necessary Being for there to be any contingent beings. But as an atheist, I think the universe is all there is. It's all I can sense.