I fear debt a lot and would do anything to get rid of it if I had any.
I've been reading and watching some youtube videos that are starting to change the way I see debt... It seems that in the current inflationary system where debt creates money, good debt is actually ok and should be used as an investment tool. Examples of good debt, buying a house with debt and putting it out for rent. It seems that many real estate investors are doing this.
If dutch people want to keep getting interest on their deposits they should change to crypto and use one of the available interest platforms (nexo and celsius are my fav) to get interest on their deposits, they can even keep their deposits in "dollars" AKA stable coins, 8-10% interest rates on deposits and BTC gets 4%-5%, it's quite good. However, with negative interest rates I would take this opportunity and just get a loan out and buy a house to rent, or invest in a real estate portfolio. Houses are eternal, as long as human exist we will always need a house to live in! And land is also scarce on this earth.
Just my opinion, not financial advice, never financial advice