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A comment on Why northern Europe is so indebted.
For example USA and Germany seems to have about the same level of household debt, but USA has 65% home ownership rate, while Germany has only 51%.
https://en.wikipedia.org/wiki/List_of_countries_by_home_owne...
The other interesting thing is that South Europe in general has a longer history of financing public works like churches, than Northern Europe, but in terms of household debt, that relationship seems inverted.
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For example USA and Germany seems to have about the same level of household debt, but USA has 65% home ownership rate, while Germany has only 51%.
https://en.wikipedia.org/wiki/List_of_countries_by_home_owne...
The other interesting thing is that South Europe in general has a longer history of financing public works like churches, than Northern Europe, but in terms of household debt, that relationship seems inverted.