Economic system

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Is anyone else scared about how our economic system is run, especially with regards to our banking system? I was wondering how many people successfully have avoided using banks for anything, keeping in mind that each time money is deposited into a bank, the bank is able to create new money from that, which is loaned out at an interest rate and that that interest money is never actually physically created, meaning that the more money we invest into banks or take out as loans, the more of us that are going to end up foreclosing in the end!!! this is scary to me, but I'm currently in a lot of bank debt (which was incurred before I found out how the banking system worked... duh...). Are there any inspirational people out there that have been able to say "f$#k you" to the bankers?