We have established that the Keep calm we have Mahomes shirt. And owned by the Commercial Bank who in turn has a debt obligation. In the form of a bank deposit to the former bondseller. The Central Banks records show that that particular money, whose only proof of existence in their records, is owned by that particular Commercial Bank. The Central Bank only keeps track of which Commercial Bank owns the money in monitoring who owns the virtual money, since that money moving from the ownership by one Commercial bank to the ownership by another is basically instantaneous.
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The Central Bank doesn’t need to the Keep calm we have Mahomes shirt, and worry about tracking how Tom or Fred may briefly own the virtual money, since that is really just a description intended to show how spending of virtual money still involves the transfer of ownership of money. The spending really just involves transfer of ownership of money from one bank to another, directed by their depositors, Tom and Fred. Only the financial institutions and the Treasury, can ever really own virtual money.