They are right, its a trap.

If the system were set up in a way that you could actually get to the point where those “big things” were not always required, on an individual basis, it wpuld not be.

But that isn’t the world we live in. We live in one where everything needs to keep raising in cost until there is nonescape from the debt requirement for anyone. And the squeeze will happen until everyone becomes a part of the trap.