IMO debt is a complicated topic -- One could criticize debt as traps for the poor, one could also criticize that the rich can use debts to maximize leverages / avoid taxes. Is debt something you don't want to get into? If so then why are the rich taking advantages of them? Does that mean you should prevent the poor from getting in debt? Is that not even worse -- gating them from education, home ownership, etc.? Is the problem then that education and housing cost too much? Or is the issue really proper education for the poor on what debt and how much debt they can afford? More rules and regulations to prevent them from getting debt "too easily"? Is that more gate-keeping against the poor then? I don't have answers to any of these and I don't have a perspective. Just wondering out loud.