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.
Seems you still don't get this: Only in a debt based monetary system, one person's saving is another person's debt. In a honest money (for example gold) system, EVERYONE can have saving without debt (despite the fact that banks always cheat with FRB)
Even the Nobel prize winner Krugman don't get it, I doubt how much that price worth
Maybe you know that price is set by Swedish Riksbanken, if Nobel knows such a price was invented by banks, he will be ashamed