Loaning money they don't have on margin. Which creates debt disguised as money, which in turn is a form of fraud, taking from you for your work effort, and giving to those who in fact did nothing to earn it.

Nothing in this world expires. It's all equivalent exchange. Work effort, food, block chain security, gold, it all creates something. Which is the opposite of the fiat banking system that pretends to grant you money based on a token system.

Your understanding of this problem is flawed, wrong and completely broken. Your solutions are simply an extension of their current ponzi schemes at work.