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We all need moneylenders at times, to buy money, through a loan. There is often no other alternative. We are, in spite of ourselves, one more adherent to the "money system". But where can this system lead us? How does it influence the quality of our lives directly and indirectly, individually and in general? Through a behavioural approach, a "disaster myopia" or "bounded rationality" and also opportunistic tendencies of economic agents, caught up in the euphoria of profit and underestimating the occurrence of systemic shocks in the course of time, is detected. The author's contribution is the modification of the nature of the relationship between banker and borrower, for a real financial "Eldorado". The interest of this work is the prevention of personal and social bankruptcies by developing a financing structure that does not affect the economic equilibrium.