When you count % of income spent on SF rent and student loan repayments they're probably paying a greater net % of their productive capacity to financial leeche

When you count % of income spent on SF rent and student loan repayments they're probably paying a greater net % of their productive capacity to financial leeches than that goat herder. This is the outcome we're supposed to be celebrating? Sky high productivity having huge chunks taken out of it and being handed over to non-working landlords and creditors?