Thank you for your comment! :)
I'm not sure that I understand correctly your idea. But If people and corporations would receive the money as an interest-free loan or a loan with a low interest rate, this debt problem was not there. Anyway, for the maintenance of the system for the exchange of goods and services you have to pay. After all, someone has to maintain it in a healthy condition. That was my idea.

And in a situation when you can't pay the debt possible bankruptcy. Isn't that right? In other words, a Central Bank can simply "forgive the debt". And it is in some sense normal, that not everyone who got a loan will be able to repay. And of course it is Important to ensure that it was not a fake bankruptcy.