It is a tremendously difficult ethical problem to unwind. Is it ethical to let someone else dole your own money back to you? That's the part I struggle to under

It is a tremendously difficult ethical problem to unwind. Is it ethical to let someone else dole your own money back to you? That's the part I struggle to understand the merit to. One wouldn't need loans from an all powerful central government if not for forced reappropriation of the wealth in the first place. Somehow, people would trade.