This is not a solution, otherwise you wouldn't have to constantly repeat it.

The entire idea behind permanent money is about forcing/imposing risks of the real world onto other people, those who do not have money.

The savers become unwilling to lend at 0%, due to their so called liquidity preference. Money can be exchange for everything else, it acts as a joker, it is the ultimate insurance against any potential situation. This insurance is provided for free, by every other market participant, but some of them have barely any money of their own, they not only pay for their own risks but also for the risks of the savers, this makes them desperate and forces them to borrow money. They have no option to refuse additional debt because they don't have the ability to reimpose the risks caused by risk free and costless saving back onto the originator, e.g. the saver. As you can see, those who espouse strong private property rights and personal responsibility run into an inherent contradiction. Paying an insurance premium on your savings aka a demurrage fee or a negative interest rate on cash is considered expropriation aka a violation of property rights, this is in direct contradiction with personal responsibility, because it is a direct demand to not pay for the damages and risks you impose onto others, aka you expect others to be responsible for your actions.

This contradiction arises because money isn't actually property, it is a relationship between people, and in the above case it isn't even a voluntary one. That money effectively represents other people's time, if another person's time is your private property, then they are reduced to nothing but a debt slave that has to pay for the privilege of being one. Hence, the idea that money is private property is inherently immoral, carrying costs on money can be explained by the damage an inherently one sided relationship causes to society and that you must compensate society for being selfish with other people's time.

When liquidity preference is neutralized, any borrower standing in front of a lender can always refuse additional debt. The direct carrying costs of money make it profitable for the lender to lend his money out even at zero interest, allowing him to save, but only to the extent that others want to be in debt. Since compound interest has been abolished, there is also no need for governments to constantly expand the liquid part of the money supply as they approach insolvency. Not just average people can now refuse debt, governments can do so as well, paving the way for a money system with neither inflation nor deflation aka perfect price stability.

This wouldn't even be a new system. The Egyptians had grain banks with annual fees that represented the percentage of lost grains every year. What is surprising is that they lasted three thousand years with their "imperfect, decaying money" only to be conquered by a permanent money society, the Romans, who suffered the usual problems of a permanent money system, the inflation, deflation, debt, usury, corruption and inequality.

By permanent money I mean money that can be saved indefinitely and whose perfect price stability hence would require all debts to be permanent. It doesn't take much imagination to understand why debts cannot be paid off in aggregate, why debts must always go up until the system collapses, because that would ruin the primacy of permanent money.

What is amusing is that in Germany right before the hyperinflation some people suggested to adopt a different model but we're derided by the central bank of the time that they will not conduct experiments, only to continue with their very own experiment, an experiment so famous, with its outcome so well know, yet we humans can't help but see it's predictable outcome and then repeat the experiment again. The permanent money experiment and it's inherent tendency to collapse. The fact that some people call it sound money, despite the fact that is has been proven to be irredeemable and nothing but monetary alchemy, is disturbing. Do they not see that the current system is just a failed sound money system kept on life support?