Still, it's not that hopeless. I've seen a lot of people get out of debt. You don't have to go into debt for things and you sure don't have to remain in debt.
People aren't as helpless as you think.
On the other hand, I recognize that the majority of people, and, importantly, young people have either been lured or forced into crushing debt for things like education, housing, medical care, trinkets and so forth. It is at the point now that, regardless of how you feel about the individual morality of a given debtor, it is threatening the whole economy.
We need to reduce total debt in the economy. A modern debt jubilee is the fairest way to do it.
Instead, we'll raise rates, crush the middle and working classes, and bail out the rich.
If it's just that you currently don't have debt because you've paid off your student loans and your mortgage, then congrats I guess?
We are living in a silly debt fueled age where many people can't even afford to go into debt for a house these days. But banks are happy to give them credit for consumer shit like phones.
I'm sure there are more than enough people that carelessly got themselves into debt... They bought into the consumerist world we live in. It's hard to resist. But there are also many that are stuck in generational economic turmoil, that don't have the tools to dig themselves out.
It wouldn't hurt you, it just wouldn't help. You wouldn't be hurting. I think that is a distinction. You don't get the help, because you don't need it. They do say "Fair isn't everyone gets the same thing, fair is where everyone gets what they need."