problem is a reiteration of the same problem that has echoed down the Ages from the time of Solon's reforms described variously but probably most famously by Plutarch.
David Greiber in his excellent book debt the first 5000 years has the full chronology in my mind it is on a par with A History of Western Philosophy by Bertrand Russel.
The key is to building a community framework of understanding of the money creation process.
Famous quotes not withstanding by Henry Ford, and Meyer Rothschild this simple 30 minute talk gives an admirable start to any framework of understanding.
Heres a blog I did regarding my own framework of understanding as it developed.
I did another on Busy fools, I look back on my business career which was very successful I built a 100 million pound business in 5 years in my 30ś I now see plainly I was a useful idiot just doing the bidding of my Merchant banker financiers.