To elaborate, it's interesting to observe that a non-zero interest rate effectively creates a resource leak. Since the deposits created are equal to the loan's

To elaborate, it's interesting to observe that a non-zero interest rate effectively creates a resource leak. Since the deposits created are equal to the loan's face value and don't include interest payments, in aggregate there are not enough deposits available for every borrower to pay off their loans with interest. In other words, interest makes a non-zero bankruptcy rate a mathematical certainty.