If every investment is backed by enough saving, there won't be such problem.
One persons debt is another persons money aka saving. And vice versa.
You just reinvented the basic idea behind credit money. If you werent almost 5000 years late; Id nominate you for a Nobel prize
Im not saying there is nothing wrong with our current financial system; but the basic principles behind it are pretty damn sound. I would expect nothing else after 5000 years of experimentation and (r)evolution. Bitcoin OTOH is technically new and a revolutionary system; but as a financial system its no different than those millenia old systems from which we have long evolved - for good reason.