Money isn't created from nothing (despite what the banks seem to think.) So eventually, SOMEBODY has to start spending some coin, else there's no one to loan to.
Though I personally don't like the idea of loaning at all; credit card companies get rich off people failing to pay back their loans, and they sleep at night just as well as the next guy. In other words, they make money because they have money, and somebody felt it was wiser to take the blow from a loan's interest than raise the money to get what they wanted to do on their own. But we all wanna live in the fast lane, I suppose. A society of loaners means everyone has money, which means nobody needs a loan. Which means people would have to use money like money, opposed to using money to make money
