…ing off a cycle of debt, from mortgages to credit cards to student loans to car payments, precisely because they have never earned enough from their labour to be able to afford much of anything outright. The idea of actually fully owning a home or a car is fantasy for most people — even in rich nati…ing off a cycle of debt, from mortgages to credit cards to student loans to car payments, precisely because they have never earned enough from their labour to be able to afford much of anything outright. The idea of actually fully owning a home or a car is fantasy for most people — even in rich nations.