But lenders take the liquidity premium without providing any service to society.
The money holder has the power to enable commerce...
So, which is it? Money holders/lenders don't provide any service, or money holders/lenders enable commerce?
You are also apparently focusing in on the "liquidity premium" as the main evil of interest. Is liquidity, aka easy access to capital, a useless/worthless service?
The problem is that we can't reach the point where nobody borrows because there's no capital to invest in. Before reaching that point we reach the point where nobody lends, because holders can make more profit from their liquidity than what they could get from borrowers.
How can you make a profit on liquidity without lending???