You are woefully incorrect.

The real cuplerate is that when a bank creates a loan it creates a loan check, and through a confluence of politics and leverage, businesses are motivated to use other people's money to make investments and pay only the interest. As the sum of the interest on accumulated loan checks build, you end up reducing the velocity of capital (people's willingness to spend money) because eveything becomes too expensive due to price reflecting the businesses load of interest, until, eventually, you end up with a liquidity problem; too many loan checks and promises, to little returns, and cash evaporates. Everything becomes too expensive when resold through the bank a dozen times.

Governments have tried every system known to man kind to constrain this including war and genocide. The Privately-owned federal reserve has in their corporate charter a requirement to keep steady interest rates and they refuse to maintain them; The 2% yearly inflation is artificially caused by the continuous expansion of credit and prices never correct or deflate because they always capture the correction by printing or lending ever larger sums of money they never intend to collect. They disregard their charter and do whatever they want because they have the money to do so.

By having this monetary policy, you enable equity pirates, often led and initially funded by foreign countries who harbor the viewpoint that enslaving and killing your population is no big deal, to expend vast sums of capital asset stripping everything; businesses, machinery, people, equipment. Fertility rates are down to 1.7 today in the US; when the USSR collapsed they were down to 1.2. 2.1 is replacement. You have 60-100 million men who will never have kids or get married if GAO Retirement security studies are to be believed; they break out demograhics in some of those studies and there's a double digit and growing demographic of men who cannot make enough money by the age of 45 to have a family. Over 50% of female Latino immigrants (illegal or otherwise) do not have kids. Some of that is 3rd wave feminism (half of men with an 80th percentile income or higher never procreate, and a lot of that is, when you have money, girls throw themselves at you, and you lose respect for all women due to that). CDC had a statistic SJW's forced them to take down in 2011; quarter of women with bachleors degree's don't have kids (her school debts become a dowry most men can't pay), but a heck of a lot of it is profit motive. Turning people into products for corporate executives also turns them into trash once you've consumed them; you take from them the concept of self respect and dignity, and as we've found with C-PTSD research, once the structure of the brain has changed due to trauma, it takes a large investment of time and energy to get it back to normal. Historically, People who do not have those concepts don't know how to engineer a society with those values which is how you get the pattern of the french revolution and subsequent reign of terror repeating thoughout history so often.

There's 2 ways you constrain this.

The first is bankruptcy. You shred the loan checks and let the rot fall out of the system.

The second is by limiting the revenue of private companies through income tax like we did in the 60's; you make more than 250k a year congrats you've won the game, every dollar you make more is going to be taxed. Now. Go do something nice for society. You also require public companies to have 66% or more their stock owned by employee's. Doesn't have to be voting stock, but total stock and allocation of revenue. We figured out in the 30's when you pay people a "keep what you catch" wage, they work really hard and efficiently and when the downturn comes, they stick with the company and survive it well then on the upswing, they invest. If constrains who goes bankrupt during the boom\bust cycle.

Getting there, however, means putting a lot of executives and rich people in jail (for fraud, so they can't keep comitting fraud or spending their money to interfere with the process), and pruning a lot of large companies. It also means widespread rehabilitiation and family education and planning resources. We are well over the point where all of that can snowball into a violent political revolution; the consequences of that is are all bad.