The people who write your propaganda videos seem to be in favor of the gold standard. The question that neither you, nor they, have answered is Who cares?
We have a strong economy where people like you and me can work, inflation is low, technology is advancing. Companies are being created, houses are being built, bought and sold, progress is being made, the standard of living is improving. We now all have TVs and cars and the internet and clean water and microwaves.
The economy, with the banking system, is working. You are basically whining about nothing.
You say you don't want to return to the gold standard. So what do you want? If you replace the banking system. What would you replace it with?
I work for a company that is built on credit (my job is being paid for by a large amount of credit based on a promising technology). I have a car on credit. I went to school on credit (which let me get this pretty good well-paying job).
You haven't suggested what you would replace our economy with after you tear down the banking system.