Now it actually seems like we agree on some stuff! I largely agree with what you're saying here, and it seems much more nuanced and less extreme than "loans bad, go back to monke", which was kind of my initial impression.
I guess we just differ on the base idea of how to finance what you could rightly call "gambles" on the future (buying equipment or property to start a business, funding an education, etc.). I think that with proper regulation, which prevents both banks and individuals from taking too much risk, and prevents exploitation, loans are a sustainable and reasonable way to do this. You seem to disagree that it's possible to regulate a debt-system to the point where it becomes sustainable, and therefore think we should try very hard to change the premise that debt is required to run our economy.