Honestly, if you’re young with no real assets then bankrupcy can be a really easy one time get out of jail free card financially speaking. If you have no big assets then all it really does is cost a bit for the lawyer and completely fuck your credit for 7 years. But if you would have been spending those 7 years spending all of your money trying to manage debt and fending off debt collectors with a stick anyways then neither of those negatives actually make things any worse for you.

Loans for homes not being a thing (and you instead getting an actually decent home for cheap) would go a very long way.

Not being born rich.

You need to miss opportunities as they’re presented to you or mess them up somehow. Self-sabotage is a trait among some common personality disorders, unfortunately.

My brother fucked his life up by stealing 120k worth of goods from his employer and school, he and his friends got caught and had to do their time and pay the fines.

He managed to get out on top tho, he lied himself into the army and now works there with a cushy office job for security supervision in the entire country.

I never did any crime and always worked hard, i have trouble keeping my fridge filled. The wife and i ended up living in a 14m2 room as it was all we could afford at the time. My brother has managed to live the “American dream” even though we aren’t Americans haha.

Another old coworker of mine was an alcoholic and after 16 years he got fired because of it. He left the country for a woman he met online, started a family and funded the local school…only to pass away a year in due to complications from his lifelong alcoholism.

Are you suggesting we all get addicted to crack?