I second the recommendation below to read Graeber's "Debt". It is really a fabulous book, and can help explain why many people in many cultures feel as you do,

I second the recommendation below to read Graeber's "Debt". It is really a fabulous book, and can help explain why many people in many cultures feel as you do, who benefits from that belief, but also how debt has never historically been about moral obligations but has always been a contract between two parties, with limitations on both party's obligations.