It is often criticized actually... some said let it "flow" naturally, the recession is good for the economy.
Under what scenario would anyone lend $1,000 to receive $900 in return at some point in the future?
This:
The consumption-based economy failed to predict that humans are incredibly greedy, lazy, risk-averse, etc. Instead of using the increased money supply to do productive activities, they use it to inflate assets/commodities.
The contemporary economic systems encourage spending (consumption) to drive economic activities. It assumed that HODL is terrible for the economy. Inflation is a form of tax for idle money.
When inflation is already low, how government tax people? Obviously with negative interest rates.
Civilization requires productive surplus and accumulation; de-civilization happens when
too many people borrow, spend, and consume more than they produce.
How to encourage greedy, lazy, and overly risk-averse people to work? To be more entrepreneurial? (push)
How to attract diligent, bright, and risk-taker people to keep working and producing? (pull)
How "cryptocurrencies" alone solve this problem?
Perhaps, the "better" system has not been envisioned?