Banking.

Kia-ora

 The banking system has no cost of production. Adding Zero's to an account for a loan is effectively "free". Banks are then paid well for this 'service". The myth that banking is simply on-lending savings was exploded long ago.

Banks naturally favour "safe" investments for lending such as land and existing companies, tilting the playing field against new sustainable investment and artificially driving up the prices of "safe" investments against others.
The incentive is naturally to lend as much as possible, while using their financial clout to skew the economy and regulation to favour banks, getting an ever greater share of economic wealth.

Interest requires infinite economic growth. Not possible in a finite world.
The answer is public banking and the removal of interest.
Public Banking.