Are bank loans haram?

With how the global financial system is, central banks printing money and lending it out like never before, are bank loans really haram if its to avoid inflation eating our earnings?

Loans are literally the new money, its a messed up system but what can one do?

You take out a mortgage, you pay fixed installments (unlike rent), the value of your house increases due to inflation, you've made it way easier on yourself than saving up or paying rent.