Modern money doesn't equal to importance of work or amount of experience or how much avg. people understand about low interest etc.

Here is your reality check, more fair society would only possible without monetary policies dictated by banks, top rich and powerful. They and their smart people/companies are only in the society to take more cut from you workers, globally. What you say is just utopia, and IMPOSSIBLE.

Btw I like reading fairy tales as a comments here.

Here it's simplify explained (not serious obv) https://www.youtube.com/watch?v=2sEbe9gveN4