LOL... "don't borrow money"... tell me you're privileged without telling me your're privileged, Andrew. ;)

Debt (and bankrupcty) is an unavoidable mathematical reality in ALL usury-based economies.

It's why we need to ban interest and rent-seeking and then wealth-tax the hyper-elites.

There's far more going on in housing than you currently understand.

"People will pay you handsomely" for great skill is literally not true in monopoly economies. Read a history book if you want to understand this.