For your first, you show the basic business model of how banks earn money, but you must understand that I'm speaking in terms of 3rd 4th and 5th order effects. This is commonly known as macro economics. What you have shown in microeconomics. The stuff that happens on the little scale.

For your second, I believe you're pointing out the aspect of ponzinomics which is rolling over debt or paying off debt with new debt. This is indeed another problem, but all of these different aspects of the economy all work together. Nothing in a vacuum.

For your third, I can see that a misunderstanding has happened here. Yes, there are people who believe that debt isn't inflationary, but I do not subscribe to that view. I am instead of the other view, the first I mentioned "If you're in the camp that only sees inflation as a general rise in prices, then you should understand when I say, debt is inflationary." I was only looking to explain things in the view that I know some other people have.

Now if you think I'm explaining this terribly, I probably am. Please, I encourage you to look at my primary sources for where I'm getting these ideas from in the first place to understand what I'm actually trying to say.