Perhaps instead of giving cheap money to the banks so they can make a profit at our expense, we could give the money to the people so they can use it the 'best' way for them (save, spend, pay off debt etc)
So long as there is money, there will be a monetary policy. The government doing "nothing" is not an option.
This is 2015, why do we need so many middle men and such an inefficient closed source volatile paper based system? How about letting the people issue their own money based on open source computer algorithms and p2p networks instead of oligarchy voodoo?