Humans invented money as a store of value. Making the accumulation of money without reciprocity socially acceptable has led to dysfunctional economic systems. Polanyi predicted this in 1944.

For humans to continue to survive on the earth, those who gain wealth must share it with those who supply the money. Loans are easy to change. Changing loan repayments on house mortgages to share interest will reduce the cost of a mortgage by 1/3 without changing the interest rate or the profit received by the lender. They get their money plus the same interest back sooner, and so they don't lose, but they do lose "unnecessary income". For loans, the unnecessary income is interest on interest.

Sharing increases in wealth (profits) makes the financial system more productive. That means we get more investment from the same amount of money because we speed up the movement of Capital. It means we have a lot of existing (but stationary) wealth to deploy to address climate change, wealth disparities, food shortages and environmental damage, to name a few.