If money is tight, interest rates rise. There is always a cost that will persuade someone to risk their money. These are not minor flaws. We are creating money

If money is tight, interest rates rise. There is always a cost that will persuade someone to risk their money. These are not minor flaws. We are creating money from nothing which means pereptual inflation which means your savings are no longer safe. It's much more sound to just borrow money, which makes you dependent on the mercy of state regulations.