The system was not broken by accident. It works exactly as designed. Just not for you.
Think about the mechanics. Inflation reduces everything you save. The interest rate increases the more you owe. Wages rise slowly from prices. It's easy to get credit and almost impossible to escape completely.
Each part pushes in the same direction. The person at the bottom stays at the bottom, working harder every year to stay put.
Riva does this on purpose. That's why it's forbidden, not because of a technicality. Because a system built on it is fed by the people within it.
And God rules and expands, and to Him you will return.
"And Allah is the Restrainer and the Giver of Bounty, and to Him you shall be returned. ".
Surah al-Baqarah 2:245.