there is nothing fraudulent or fantasy about math & basic incentives.
When savings are low, interest rates go up. This encourages savings. When savings are high, interest rates go down. This encourages borrowing. Banks goal is to make money. Banks with relatively too high rates won't have revenue. Banks with relatively too low rates won't have capital savings. There becomes an equilibrium between savings & borrowing. Interest becomes the "price" of money not government fiat.
Requires breaking up big banks and their entanglements. And of course Ending the FED.