All of the above are false talking points until the problem of money creation is understood. Money is created as debt, which may be recycled, but is never paid back, if it was that money would dissapear. Take QE the banks were all bust and needed to be bailed out how was that done? GOV borrowed the money, where from? the banks. How many GOV bonds have been generated in this process, trillions, all new money which GOV now owes the banks. The banks only bring bookeeping to this deal, [they never had or needed any 'money'] and for that we pay them interest forever on the 'money' they create when GOV agrees to issue bonds in return for access to their credit [debt] network. Since no debt can be resolved without that 'money' dissappearing from the economy we need perpetual growth to facilitate the interest payments on the accrued debt. Personal debt also needs to grow to create new 'money' to spend into the economy, yes new money just as when GOV creates bonds to facillitate credit we sign mortgages for the same access, the banks have no need of deposits to cover their loans as it is the loans which expand their deposits not the other way round. Read Michael Hudson, Hellen Brown [web of debt], Steve Keen or Bill Mitchell among others if you need more.
It would be far better for GOV to create citizen accounts where everyone would be allowed to draw out money, as debt [within limits], which they[GOV] themselves create [and do the bookeeping for] and lend that to citizens on the same terms currently available only to fabulously wealthy bankers. If that was done the 40% of every transaction that goes to the finance sector would begin to shrink GOV would recoup the money it issues from taxes and spend that instead of ever increasing it's debt to banks.
The only real growth we could have is in an economy increasingly dependent on intellectual /cultural exchange music/education/entertainment.
