>>512729543 (OP)
>civilization
Well. Our monetary system is debt based.
That means they conjure it out of nothing,
Nothing -> bank credit and also bank debt.
The debt though usually in the form of mortgages, car loans, credit cards, business loans... Always carries interest payments.
Loan -> 100 units of credit and 100 units of debt at 7% interest.
The debt, obviously 107 after 1 year, but there's only 100 of credit so that can't pay it off.
So you need to take out more loans to pay the old debts!
This is why we always need GROWTH. Growth means growing debt.
It's why you need a growing population. It's why you need to consume MORE and more every year.