In other words, we are born into debt and must work all our lives to pay off that debt. This is true in so many ways, and makes what we're talking about amount to at best a kind of bonded child labor.
You don't have to think of it as slavery, but it's very very far from COMPLETELY OPTIONAL. There is no deserted island to live on!! There are no guarantees of universal housing, or healthcare, or much else that is needed to survive. Until there are, working vs. not working can never be a real choice. The working class by definition must work in order to live.