> So, the overindebted in the US are those who used credit for expenses or for failed investments. They are poorer than those with zero debt. Someone who owns

> So, the overindebted in the US are those who used credit for expenses or for failed investments. They are poorer than those with zero debt. Someone who owns a $200,000 house (and a mortgage of $210,000) is poorer than someone who has no house? Someone who took a $50,000 loan for a new car and drove it for one day, technically lowering its price to $45,000, is poorer than someone who has no car?