I deal with EVERYTHING. Mortgages, car loans, payday loans, overdraft accounts (which 99% of them are intentional fraud, you cash a fake cheq and then you try to close you bank account). If you have debt your a idiot.

Proverbs 22:7: “The rich rule over the poor, and the borrower is slave to the lender.”

By your logic, are you advocating for slavery?

It's called buying shit you can't afford without a plan to repay it.

I have zero debt. I paid cash for my car, cell phone and insurance is set up on pre-authorize. A lot of debt lenders give you the option to purchase insurance incase you lose your job or get sick. Again no one forced anyone not to get the insurance.