My Savings should require no effort, and I should be able to have Savings in the first place. Some. Modest is fine. Not fucking Zero, and never negative.

Not everything is free, but we're alive and sentient, which is a gift. That gift should come with some common sensical and decent /basics/ to live. To not be indebted into financial slavery for whatever reasons at birth is one.

Debt extracts a mental toll upon us. It feeds on indiscrimination and will ruminate throughout every aspect of your life, at first touch. When that stain touches you, it will shackle all of the independence you seek.