Or you can just be reasonable and live below your means. I don't like the current system but i don't think you fully understand it. Most of the people in 1% are not bankers. Some of them do own bonds and stuff like that but there is nothing wrong with debt if it has the possibility to make more wealth. The thing is, we have debt for things that don't create value like a car. It looses value in fact. We need to learn about financial education and live below our mean and only take on debt when it is necessary. You don't need an expensive house. You don't need all of those expensive luxuries. If you can't afford it then don't buy it.