In fact, I've never met anyone who wants to go into debt, and yet here we are in the real world where "The bottom half of Americans combined have a negative net

In fact, I've never met anyone who wants to go into debt, and yet here we are in the real world where "The bottom half of Americans combined have a negative net worth," [0]: https://www.businessinsider.com/bottom-half-of-americans-negative-net-worth-2019-5 https://www.businessinsider.com/bottom-half-of-americans-neg... In objective reality, setting aside philosophical objections to usury, since inflation devalues debt as well as savings it is a net benefit to the above mentioned Americans.