For that you would have to completely change how currency is issued and managed. Money is created by being borrowed directly or indirectly from the central bank, and the reason it is possible for those loans to later be repaid is because even more money is loaned out later, so it’s not going to be a game of musical chairs where there isn’t enough money going around to pay them all back, they keep bringing in more chairs. There is always an increasing amount of money in the system, and they make it that way on purpose to keep things running the way they want them to.

Personally what I hate about this setup is, a person who meets the requirements to obtain a business loan can now take this money that was created out of thin air, use it to coerce labor out of people who have no way to get money other than working, and keep the profits. What if our lives would all be better off working a bit less? Too bad, that decision isn’t up to us, how much we must work is indirectly decided by monetary policy, which the average person realistically has zero influence over, and the goal is a high level of “economic activity”, ie. as many people as possible subject to financial coercion.