I would ask you to consider the alternative. Do you want to save for a lifetime to be able to buy your own home? To start a business? Well maybe you wouldn't have to , you always have the option of being born to rich parents.
Maybe the whole problem is that Fractional Reserve Banking is a creation of the government by way of the Federal Reserve Act of 1913. While it may have done some good over the past 100 years, the limitations of that system (Fractional Reserve Banking) will now be blamed as a defect of Capitalism, which it isn't.
During the 19th century (before the FED) the large quantities of capital were raised mostly through Corporate Bond offerings (RailRoads), and the holders could then trade them on the secondary markets as debentures.
Instead of the FED seizing "nany-state" control of similar borrowing facilities, I think they should have just let the existing bond market expand to residential mortgages, and whatever other types of debt (unsecured, etc.) were needed. These things happened, in the aftermath of World War Two, and had good intentions, at the time. But you know what they say about good intentions.
I have read that when the FED first started in 1913, its function was exclusively to smooth out the peaks and valleys in short term interest rates, which were due to the seasonality of the farm crop cycle (planting, harvesting, etc). The modern FED seems to have turned into quite the monster, hasn't it.
But I am hardly an expert on this history. Just a quick thought on it.
The defining source on something like this would be someone like James Grant (Grant's Interest Rate Observer), but I don't have his number on my phone.
