That's a microscopic view of the world's economy. I don't think building a house from materials on your property is realistic at a mass scale. The fact is investors won't put their money into banks unless they get a return, That's just how human nature is.

I'm not arguing for extreme interest rates, Because a $500,000 loan over 50 years repays over a million and a half dollars is wrong. There's no doubt that things are out of control, But the premise of interest and usury is sound way to grow an individual and an entire civilization. So far there isn't any other way, And the ways of the old days are literally over.