IF banks kept all the money on hand that depositors deposited with them, THEN they WOULD be Ponzi schemes, since the ONLY way to pay the modest interest paid to depositors would be new deposits. BUT, since banks are generally not Ponzi schemes, ONLY SOME MONEY IS KEPT ON HAND. The rest is lent out, to earn interest at a rate higher than is paid on deposits. THAT is a legitimate business, and that is why banks are not Ponzi schemes. In other words, your criticism of banks is absolutely wrong-headed, since you would have them become Ponzi schemes when they are not.
Let me guess--you are in "multi-level marketing."
I am a retired engineer