[imtringued]

In my opinion the problem is the insistence that money should earn 0% interest. Yes it earns positive interest rates when there are borrowers willing to pay them, nothing wrong with that. However, when there are no borrowers promising 0% interest then that is just how it is. There is nothing special about 0% interest that turns it into a human right.

People work too much, then earn too much, then save too much money instead of saving in real assets and then they complain that their money is eroding in value, effectively admitting that they worked too much. Money has become a high score and its increasingly exclusive nature made it a status symbol.

It has lead to absurd situations where people "finance" their retirement by not having children. Who's going to work for them when they are old?

[southerntofu]

> Money has become a high score and its increasingly exclusive nature made it a status symbol.

Exactly. It's a mathematical abstraction for social status and privilege, not a tool that addresses human needs.

> not having children. Who's going to work for them when they are old?

This framing of the "aging" issue is based on our capitalist economies with the family as a foundational unit of society. In a cooperative economy, no one should have to worry about how to feed themselves when they grow old.