[laotzu]

While it is a two-way street (both parties "agree"), what I'm saying is that in an honest, straightforward arrangement people should not be contractually obligated to run in the rat race their whole lives trying to pay off a debt that by design can never be paid off. So yes, a zero sum game sounds quite logical.

[charlesdm]

Now you're talking about "consumer" debt. i.e. debt to buy a car / house / student debt / etc. That's bad debt.

If it's not intended to be used for investment, I would personally never use debt.

[branchless]

You have no choice other than to enter into the land based debt system. Don't want to borrow for a mortgage? Pay high rent on a place because someone else bought it with a big mortgage.

That is land enclosure.