I wouldn't like to dedicate too much time to discussing technical problems with monetary system majority of people cultivates nowadays, rather focus on various alternatives we have alerady available or under development. For 'big picture' overview of monetary system you can watch those documentaries, they somehow repeat same thing but in a different way:
NOTE: I definitely don't want to drift into talking about any conspiracy theories if someone gets impression any of those videos suggesting them, rather would encourage everyone to focus on issues with: fractional reserves, principal/interest, money 'creation' mechanisms etc.
The Money Fix
Money as Debt