If you don't see the current monetary systems as a problem, then I guess you don't really have a way to understand Bitcoin.
I think it's one of the most important innovations of our civilization; a 'next step', if you will.
Personally, it solves my problem of storing value of my work indefinitely.
When a business receives a loan it shows up as an asset to them in the form of a bank deposit. The business then usually uses that demand deposit to purchase goods and services, so people who don't owe debt to the bank get those deposits in their accounts, and spend the deposits, etc., etc. So effectively, private banks create money.
Let's say Bank A loans $1000 to a customer. It creates a $1000 bank deposit in that customer's account. On the balance sheet it looks like this:
Bank A:
(Asset) Loan to customer of $1000
(Liability) Bank deposit in account of customer $1000
Bank A created the $1000 at will out of thin air. This is how it happens most of the time.