You are right, the more you have the more you owe. I lived in a big city (10 MM people) for 27 years and I always thought that that was the best way to live. Now I live in a small town (60k) people and I noticed the difference. I don't want to go back. You access more services, everything goes faster, but you don't have time for yourself. There is almost no room to stress out, you have more options to spend money, but you have to work more for it... The society is centralizing everything in big cities, even when rural life has better features. Now, I am 30 years old and I want to move out of the grid. I think that going back to farming, being efficient and having just the necessary is the best way to live. Following you!