That's a very pessimistic view. People can borrow money against their property, then later they can borrow money against their diploma and professional certific

That's a very pessimistic view. People can borrow money against their property, then later they can borrow money against their diploma and professional certificates (and nobody should be allowed to work without being certified, that's dangerous). Then later I think it's time for banks to start offering consumers the reproductive right of mortgaging their children, either born or unborn.