I would happily pay higher interest rates on real money, money the banking system can't just magic out of thin air. What a scam it is.
By "people with views like yours", I'm referring to those who are educated in finance, but
a) have sadly been indoctrinated with Keynesian nonsense
b) don't understand what money actually is
Hint: if you want to insist that it's other people who "don't understand what money is", it helps for you not to flip from "fresh money is handed to the debtor" to "the banking system doesn't provide money" in mid-argument. And nope, even eliding definitions of money doesn't salvage an argument as hopelessly ignorant as "if it isn't repaid, the banking system is no worse off than before".
(For the record I understand the theory that a "sound" monetary system is ideally based on quantities of a durable commodity of naturally limited supply perfectly well, just like I understand other terrible nineteenth century theories like the idea that value is ideally based on a fixed quantity of labour. Judging by your utterance of the phrase "digital hard money" to refer to digits in a distributed database created out of thin air, I'm not so sure you actually do.)
Learning how stuff actually works doesn't mean you can't see woods, but it does save the embarrassment of claiming that the banking system is no worse off if debts aren't repaid. I mean, I've encountered some pretty wild takes on the 2007 financial crisis before, but I've never encountered anyone that thinks it didn't happen!
It also means you can say stuff like "Fact 4: "printing" dollars and bearing the risk of non-repayment of loans represents a cost to banks", and come to the conclusion that seems to give them a pretty good reason to be able to charge interest. And also to suggest that if you think current interest rates aren't "value for money" you should probably rethink your calls for them to go up!
The irony of shilling for "digital hard money" - i.e an ever increasing range of entirely synthetic assets entirely printed in the last 15 years whose demand is driven partly by counterfeit dollars and partly on people borrowing to speculate on other-newly printed entirely synthetic assets... after complaining about expansionary dynamics in M2 (which unlike "digital hard money" sometimes has a downslope) is just chefs kiss.