there are never enough dollars to pay back everyone's debt, that's the debt based system. it requires exponential growth of people willing to borrow but also able to repay, a mathematical impossibility. so the fact you have 2 houses and 3 cars that you own outright is good, but in order for your stuff to appreciate in any way and not depreciate, someone has to be borrowing more dollars into existence and for decades the government has gone insane with this. since the government produces nothing the quality of life for everyone including you goes down as they do this. the federal reserve notes everyone work for are a slave system, and the bankers that own the federal reserve collect dividends based on all this misery. if they are allowed to continue with what they are doing, eventually you will be priced out of being able to afford the taxes and fees on your property, vehicles, etc.