Hey, you have a good point and I therefore fully agree with you here. The debt burden must be reduced.
Fortunately, I have always been fortunate in that I usually after a bit I save it to buy what I want, so I really just first world problems. But I happen to also preparing to buy a house and join us in the Netherlands it is quite normal for there to make up for a lot of debt when buying a home.
As a result, housing prices become so high that it is no longer possible to save this together. Unfortunately I have no solution found here, perhaps steem ;-)
am sorry you did not find solution, perhaps the next article might help