To really understand the relationships and connections that you do a good job of laying out, you should look beyond economics, down into the biology and sociology that you hint at. Money and banking are a medium and circulation system, that to the extent provides people with resources and nutrition, they try to save and store, but that breaks down the circulation system. Just like if everyone tried to suddenly hoard supplies, the distribution system would seize up, as it did with thing like toilet paper. Though in a normal economic supply and demand situation, there would be limits to how much people would collect and hoard, but with money as an abstraction of value, everyone wants infinite amounts, or at least a lot more than everyone else.

We have to get beyond our individual wants and see how the whole system works, which is like our bodies, not some race, where the first one across the finish line wins.

So it is a large and complex topic, that has to be discussed and developed, because the current system is breaking down.