I will opt out of my debt(medical) when I die--no heirs either to go after either.(Fairly soon too, i believe.(bad health--don't smoke cigarettes!) I haven't had real credit since a bankruptcy back in 1986. But you are correct about money(capital), and the capitalists' rule the roost, so to speak. It will all collapse in the near future because Monopoly Money, what's been infusing the economy of the US of late, will become worthless. Then actual items, food, fresh water, etc., will become far more valuable than ever. I will most likely be gone before then. Peace BTW-Debt to banks is a form of "soft violence", and used ruthlessly to rule the weak and the poor.