Liberal Forum

I think you are talking about a cycle of money. Just about every business borrows to fund their initial operations. With modern banking laws, you even have the opportunity to fail given bankruptcy proceedings. They used to throw you into prison if you couldn't pay your debts. Look at the Bastille in France. An angry mob stormed the prison for those who couldn't pay their debts. That sparked the French Revolution and is commemorated as Bastille Day in France.
Therefore there is the argument that business would be a much harder thing to come by if entrepreneurs couldn't borrow funds to start their operations. You also couldn't probably afford a house unless you already had a lot of wealth. Also, investing and having a 401k to begin with would also probably be impossible without investment banks. Stocks and bonds are wealth creating instruments for buyers and wealth producing for the companies that need them to fund new projects and grow as a company.
The need to go back in time is probably the answer to your question. The economy depends on something called the present value of money where a dollar today is worth less than a dollar in the future. The economy needs those future dollars and there are ways to be in the positive with investments than be in the negative with debt instruments like credit cards. It's not wise to spend more than you make and invest what you set aside. That can make banks useful for you instead of against you. I always thought they should teach this financial literacy in high school instead of supply and demand economics.