Agreed and debt is a fool's riches methinks.
So many people are owned by the big banks and if anything goes wrong which it often does they will always end up on the losing side.
Been that way for the past 20 years my friend and it's only a very special type of people that will will step up to help.
Believe me when I say that I see life as it is from the hard side of life.
The good thing is that you have also been there and you know it for what it is!