The problem is not that some money is created out of loans but that the whole money supply is created only that way. That means if we don't take out loans from banks, our money supply is totally disappearing and we are facing a crisis. We are totally chained to that system.
Well, that's the idea. "They" want you to be chained to that system. Alternative currencies such as bitcoin break that cycle, though. Ideally, we should move completely out of fiat currencies, and when I physically get to the Shire, that will be my first objective.