Governments want the majority of people to stumble into huge debt before they can figure finances out for themselves & then by the time they understand what happened, it's too late & they have to spend the rest of their lives running to pay it off, that's how most economy's work.
And all our yesterdays have lighted fools the way to dusty death
Out, out, brief candle! Life's but a walking shadow,
A poor player that strut's and fret's his hour upon the stage and is heard no more,
It is a tale told by an idiot, full of sound and fury, signifying nothing. - Macbeth