That said, banks do provide a useful service for many people. However, that service doesn't magically happen. One has to choose the bank they are comfortable employing. Which, again, requires an interview before accepting a bank to work for you. That is where you can make sure the bank you choose to utilize the services of aligns with your "cultural fit".
Talking to the people in your life is all you need here.
But it requires types of debt which are not exchangable for one another. Whether it's working to take us to Mars or it's working to provide healthcare to our neighbors is something that debt should declare directly, it should not require a duplicate investigation at each transaction.
They got it by you accepting their promise to deliver something of value in the future. If nobody out there is willing to accept their promise of delivering future value, they don't have anything. That's the whole abstraction. It is materialized out of thin air when you agree to accept the promise.
Some new kind of hypothetical accounting system cannot possibly change anything. It will always be a hindsight account of the promise that was made. The only possible change is for you to tackle the promises themselves. Which requires talking to people. That is where the promises are made.