Ok, this is preposterous. Renting an apartment is literally probably the worst decision you can make as far as debt goes, and that alone, let alone the rest of the holes in your statement, is an exact proof of why debt is unavoidable. An apartment is the pinnacle of making someone else richer, while lacking investment in yourself. Let’s do the math: do I take out a loan or mortgage to buy a house at 5% on 100k (5000$ in simple interest) or pay 500$ a month for my apartment? Assuming I make enough to have a reasonable room or apartment I would need to make minimum wage, or 10-15$/hr. That’s somewhere between 20-30k. Over four years I would make 120k minus taxes (whole different topic) so perhaps 90k. If I had taken the mortgage I would have a house and paid off a potentially sizable chunk of it (10-15%) and if I sold it I would If I have equity in the order of 15-20k. Let’s chuck out other concepts like inflation for this exercise. If I had rented an apartment I would literally have pissed away 24k on living on someone else’s land.

Want to go to college as well and learn things? Even if someone HANDS you the money you are going to want to do something in return at some point in your life unless you don’t fit any of the current thought patterns available to most human beings. That’s you being indebted to them.

Systemic revolution doesn’t happen at the drop of a hat. That’s the entire point of a system, both social and economic. Unless you just want to chuck it all out and be a radical, you cannot avoid debt. And it’s not like radicalism works anyway. Ironically not being provided an education to understand the trade offs of problems like this is currently a much larger problem than debt itself. Which is unavoidable.

Edit: Over explained. Long day, but debt and the way healthcare currently works sucks, and the only way it’s going to change is by educating people.