It would stop the current sanctioned creation of money. Most people don't realize the bank lends $9 for ever $1 they have. They lend and charge interest for money that doesn't exist and it's totally legal. If I did that it would be called counterfeit
They don't teach this in high school. That is on purpose. The one thing that commands so much of your life is almost never discussed--- why is that? Because the establishment has been taking advantage of the people for a long time. They charge interest for money that doesn't exist and they force you to invest by creating inflation. The whole thing is a sham and it's morally reprehensible
I think you might be simplifying this to the point it is distorted.
The transfer of money is how the economy functions. This is true for spending money or bank loans.
When you deposit $100 at the bank they don't turn around and loan out $900. Every bank would have a mass negative net worth and be insolvent. In reality the bank might loan out $90 of the $100 you deposited. The person who borrowed that $90 spends it, let's say on a house. The builder then deposits that $90 at their bank. Their bank then loans out $81. This is how the economy can turn that $100 deposit into $900 of effective money. However, keep in mind the same is also true(to a lesser extent) if the builder spent the money instead of depositing it. If the builder spent that $90 on wages to its workers, and then those workers spent the money on hot dogs, and then the hot dog stands spent the money on bread, and the bread company paid the money to their employees... By the end of the year your $100 deposit has been loaned, spent, spent again, deposited, loaned out again, spent again, etc. etc. etc. until by the end of the year it has had the economic impact of $900. Individuals & businesses had to report that $900 on their taxes, some of that $900 was counted towards GDP, and that $900 got spent heating up consumption which leads to demand which leads to inflation.
This is why the Fed uses interest rates to heat up or cool down the economy. Lower rates = more borrowing and more spending. Higher rates = less borrowing and less spending. Special note here: the interest rates don't just affect the lending/borrowing, they also affect saving VS spending since saving is a lot more enticing when your bank account pays 6% instead of 0.01%.
If you created a new currency with a fixed number of units and no lending you could cut down on this effect of bank deposits->loans->more deposits->more loans. However you would likely have MORE problems with inflation and deflation. If people who were spending 100% of their income decided to keep 10% of their money sitting in cash(which can't be lent back out with the star trek credits) then 10% of money is no longer circulating through the economy. There is initially 10% less spending, money which doesn't make it into new paychecks so pay goes down 11%(negative compounding), which leads to less spending, so now spending is down 12%, which causes people to want to save even more especially since prices are dropping so things in the future will be cheaper, etc. Deflation. I used an extreme example, but you can see how it plays out. If you give up the ability to control interest rates you actually make yourself more vulnerable to inflation/deflation. If you look at the historical inflation information when we had the gold standard you will see what I mean. There were individual years with 20% inflation or 20% deflation.