It sounds like the current system is heavily flawed and easily manipulable. If the economy is stimulated by people taking out loans, then it sounds like it can burst at any moment.
Banks work by giving out loans and people feed banks with loans because they need money. People dont get paid properly - how long do we have to listen to this? Its relevant from the time humans existed. People are never happy with anything given to them and will continue to call every system bad. Even a bitcoin based economy, if that ever comes in future will face the same problem.
The difference lies somewhere else. Its in the human mind being biased about themselves and those who are self-righteous thinking they have the VIP-benefits. This wont be solved by bitcoin is itself. It needs more discipline in the minds and a strict legal system.