Simple, the education and society has been teaching exactly just that..

example, try riding a bicycle with no brakes,
but they rather have brakes then to master the maneuver, and hone the skills.
simple terms, they just want it easy.
anybody can apply a loan, or fall in debt and get something that is flashy.

(slowly backing away as everybody is triggered)

#Getalifebro

My job here is done...