Presumably banks don’t give out loans to older people without any property. If you are going to sell your house to go on vacations… I don’t think too many peop

Presumably banks don’t give out loans to older people without any property. If you are going to sell your house to go on vacations… I don’t think too many people will do that. Say you sell at 40 … well you still have a lot of mortgage left so the bank gets their part and maybe you get like 50k profit which is not debt. If you sell your home when you’re older, it’s your money so no debt either. Banks only give out so much credit card debt without collateral. Presumably somebody did the math with how much they are willing to lose.