The creation of savings and their subsequent investment is a natural behaviour of economic actors. If there were no loans, people with good ideas would not have access to the capital to implement them. There is nothing wrong with borrowing as long as it is preceded by savings and interest is a free-market conflict between supply and demand.

oh another one that didn't studied well...
Let's talk in 5 years again.

[![told-you-so.jpg](https://i.postimg.cc/X7P2YC5q/told-you-so.jpg)](https://postimg.cc/qz8cmgjH)

DarthCoin

Sorry, but money was borrowed even when people paid in gold. The loan market is not dependent on fiat and has nothing to do with Keynes.