It is:

Only Via Debt and Only Indirectly to the Individual Via The Economy First

In other words the only way money can be created is as Debt via a loan by the business model of Finance, and the only way that the government can create additional individual income is by first injecting money into the economy via businesses and/or the various governmental bureaucracies. (The government does give individual money via the welfare  bureaucracies, but they also tax wages and business revenues so its a wash with no net increase)

And of course Direct and Reciprocal Monetary Gifting is the new paradigm that needs to integrated into the economy and pricing and money systems.