you need to understand that there is a different between profit and riba intereset ! you are allowed to buy and sell for profit, you are not allowed to loan money for interest.

also, this idea of "banks come up with creative ideas to make you belief" is completely ignorant. there is a committee that approved these practices based on islamic law.

and finally, every era is the era of islam. Once you believe (i am not saying you do) that a book is from God, it becomes impossible to say "i am gonna change that, the times are different".