Sorry but there's absolutely nothing wrong with what I'm saying.
The state is the only issuer of a given currency, for example the US federal reserve is the only issuer of Dollars. If we divide the economy into private sector and public sector, we can talk of taxes as "removing money from the private economy", and of public expenditure as "introducing money in the private economy". Every dollar spent by the state increases the available currency by 1 dollar, and every dollar collected as taxes reduces the available currency by 1 dollar. The state doesn't need a "savings account" since it creates its own currency, so for all intents and purposes, taxation is the destruction of currency and public expenditure is the creation of it.
There's no such thing as "tax money" as you speak of. The state creates currency, it doesn't need to firstly collect dollars that it can create itself. We saw this in the Covid pandemic when states started to spend tremendous amounts of money without collecting it first in taxes, the US government doesn't need dollars, it can create infinite dollars at a few keyboard strokes.
This is not to say that states should start creating arbitrarily big amounts of currency, but if they CAN do so, it begs the question, when should they stop? You mention inflation, but let me ask you, are you SURE that currency creation is the main driver of inflation? The answer is no. We've been poisoned by neoliberalism, we've been told millions of times that "inflation is a monetary phenomenon", and that somehow, markets are omniscient beings with perfect knowledge of currency flow, and they have a dial that they turn up when currency is created and prices grow proportionally as much. But is that really, empirically proven to be true? The answer is absolutely not. In fact, modern empirical studies show that currency creation is a very bad predictor for inflation.
Let's look at the latest inflationary episode for example, in 2022. If we look at the REAL reasons for the inflation, they are
bottlenecks in industry and in supply as a consequence of COVID effects
increasing energy prices and market destabilisation as a consequence of the Ukraine invasion
private companies increasing prices beyond the increase of price of their inputs, riding the wave of inflation to increase their profits
If you look at any inflationary episode in the developed world for the past 80 years, you'll find that inflation has very little to do with money supply, and in fact most times is caused by shortages in supply because of external reasons (oil crises, wars, pandemics...), and not because of excesses of demand as a consequence of currency generation. I'm not suggesting that unlimited currency creation is a good thing, of course it can introduce macroeconomic imbalances. But if evidence shows time and time again that inflation isn't a good measure of this, then how much should we ACTUALLY create? These are the questions that we should be asking, not "but how are we gonna pay for this?".
You also talk about debt. How come Japan, with 250%+ of its GDP in debt, has absolutely no issues? That's because debt isn't a bad thing. First of all, if a state indebts itself in its own currency, it can ALWAYS, by definition, pay it. And it doesn't need to collect taxes for it first. Tomorrow, Japan or the UK or the US, could press 3 buttons on a keyboard at their respective central banks, and perform an early payment of their debt by simply placing the amount of money indebted in the accounts of the owners of that debt. And again, it would NOT need to collect taxes first to do that. But furthermore, debt isn't a bad thing in and out of itself. If public expenditure amounts to putting money into the economy, debt is simply a way to make the private sector more wealthy! Wealth isn't a burden on taxpayers, it's literally the opposite! Many taxpayers own debt from their own country, and they receive an interest from it! "Public expenditure" is literally a synonym of "making the private sector wealthier"!
I seriously encourage you to open your mind about this, and really examine how much of the neoliberal dogma that we've been exposed to for the past 4 decades is really, actually empirically proven to be true. If you want to read more on this "new" way of looking at economics, which matched the empirical data a lot better and offers some interesting new points of view, it's called "Modern Monetary Theory" (MMT). Stephanie Kelton recently made a documentary called "finding the money" which introduces some of the concepts, and if you speak Spanish, the economist Eduardo Garzón has a series of videos in his YouTube channel explaining the basics of MMT. For some empirically based critique of neoliberal dogma, although not explicitly MMT, I suggest the English YouTube channel "Unlearning Economics".
Seriously, please consider how much of the neoliberal economics dogma that we've been exposed to, has been proven empirically, please have a look at it.