Please q, take a look. Plz excuse spelling grammar

One of the most important questions of our time is how to incentivize loans without intrest or in a way that intrest benefits society. How do we harness the power of wealth created through intrest to benefit mankind. Basically how to take what banks do and make it benefit the world. If we anwser this question correctly we could rid ourselves of poverty & the banking cartel which runs this world. Right now the wealth created through intrest by design benefits only the most wealthy and harms the most vulnerable. We must welcome the discussion of alternatives. The following solution would require us to individually & voluntarily transfer to a gold or other physical asset backed digital blockchain currency, and/or fiat digital currency with scalability and set inflation. The idea is to ban all but low asset holding individuals from the benefit of loaning at intrest. The low asset holders could voluntarily enter lending pools on a web page administered by quantum computing & A.I.. A.I. Could make lending decesions and loans for them and automatically give them the intrest returns according to how much money they have in the pool. Since the intrest would be made without a bank middle man or fees they would receive much higer returns than today's savings accounts. They could either receive all of the principle plus intrest returns or a fraction of a fraction of the intrest portion could be set to replenish the biosphere & bring more of the poorest people into the pools(economic ecosystem) . They would be incentivized to save/put more money into the pool because they would receive higer rate of return. This could aid in building the wealth of the young and the poor, it would also help elimnate poverty and would greatly boost the number of middle class. When thier assets reach a certain threshold they could no longer partake in loaning at interest unless they dipped into the low asset holding margin again. This would incentivize the middle class to spend money because they will have more security knowing that they can always build themselves back up by dipping below the margin again and profiting from lending. This would have an incredible boost on the economy as the middle class would have added members every day. The upper class would benefit from the increased buisness of the lower and middle class. In this model banks would not exsist and all of thier wealth producing power of lending at interest would be wielded by the lowest asset holders/helping end poverty and possibly replenishing earth. Middle and high asset holding individuals could still loan money but they would only be incentivized by small tax breaks for the lender (after many loopholes are closed and international trade deals made). They could also still profit by investing thier money into buisnesses and getting A dividend. A small percent of the intrest of all pools could be set aside in an account as a guarantee against defaults. If somone defaults thier wages would be garnished at a fair rate (if they Voluntarily interact with the economic ecosystem again).

This format would turn the whole system upside down. It would benefit all people except those who profit from others suffering. The reach would affect everyone everywhere. All other aspects of life are tied in with money. I would envision that this system would benefit aspects of crime, drugs, health, education, and human rights. Please consider reading and understanding and sharing this message.