The problem with our money is caused by congress suspending the free coinage of metals into money, and switching us to bank credits as our medium of exchange. This converted our nation from a wealth money system, to a debt money system.
Now all new money is loaned into circulation as interest bearing debt. This money creation process only creates the principle, never the interest. The debt is always greater than the money supply.
This debt forces American citizens to borrow constantly so the system can function. Eventually, the process becomes unworkable as society, mortgaged to the hilt, will no longer be able to afford to borrow.