What you're saying still isn't true because you are forgetting that loans can be used to cancel each other. Here is a simple example: image that Satoshi who is cold and has a broken arm has 50BTC, a forest of trees and food while hungry Ben has nothing but an axe. Ben borrows 50Btc from Satoshi to be repaid at the end of the month with 10% interest. Ben then buys the trees and some food from Satoshi for 50BTC. Ben chops the trees into firewood which is now worth 55BTC. Satoshi buys the wood with 50BTC cash and agreement to pay the extra 5BTC at the end of the month (effectively he is borrowing 5 virtual BTC from Ben). At the end of the month Ben pays Satoshi 50BTC and they agree that the two debts of 5BTC cancel each other and that everything has been made good, ie: there is no debt remaining to anyone at all.
The important thing to note is that without the use of loans Satoshi's trees would have never been chopped, Satoshi would remain cold and Ben would have starved! There is nothing inherently wrong with interest bearing debt as long as it is used wisely. Everyday around the world interest bearing debt facilitates trade that would not occur otherwise.
Why should ben buy the trees? He could offer his service and his axe to chop the trees for Satoshi and then get a decent meal from Satoshi. So Ben is not hungry anymore. Satoshi still has his 50 BTC and no one owes anyone anything?
And your story would be a bit different in real life, the bitcoin loansharkt who will loan you the money do not want to buy back the trees, they will not make a deal with you where you get the same debt to cancel eachother out. You will build up and build up debt upon debt and then we are back again where we started from, a banking system and virtual
BTC that has no backing at all by anything but an agreement between you and the loanshark, thus creating bitcoin out of thin air made possible.
Bitcoin is not just about a currency, it is about rethinking where money comes from and how to prevent that people will find ways to make money out of thin air without anything in return but more money. That is what is wrong with fiat, the ones making the money are lending it and want it back with interest, but hey, if I make a loan of something that is limited by me and I want back more, the only way to get more is make more en lend it to get it back again.
Please rethink the way we work, get paid and rewarded for our services. The biggest problem with
BTC is that people see it too much as just a coin and a nice way to make money by investing. It is a revolution and we're on the train to the big breaktrhough in history!