I think the part where you have to pay an interest is wrong.

If we are in this mess it is because we have always an interest over an interest that make the public debt out of control. When you borrow VIVA, what it should be given it is just the amount taken and in this way the system would be stable.

Actually, we know many people go bankrupt because there is not enough money to pay the interests on the debt generate by this banking system. We know it is basically a swindle. We have to avoid VIVA to end in this mouse trap