@falktx @gcrkrause Well, at the point I'm aking enough to cover the basic needs I'd rather be doing fun and creative stuff instead of working extra just to earn more. Unless I have something big to pay for - like a house.
Many people are not able to afford to have a home on their own, even though they work nice paying jobs. I feel the loan market is a trap, but I can't really put my finger on it.