at that point you are in communism, own nothing, have only what the gob gives eat the bugs and be happy.

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No, debt forguveness ('Jubilees') are somewhat common throughout history, and has happened when the lending class (bankers) placed a usurious burden on society.

dont think there is such thing as debt forgiveness, someone takes the bill, in the case of banks they are either bailed out with taxes, or nationalized, hence communism. As more systems fail more intervention of the state is required to keep things afloat without civil unrest.

There is. You should look it up before speculating openly...

Also, bank nationalisations are not communism. Silly.

it is if the only banks and other services available are all owned by the state.

You're making assumptions not carried by what I said.

Nationalization=communism? Are you 17 and all edgy with your "controversial" ignorant opinions? Yikes