The American debt system has turned into a trap, and let's be honest—the biggest beneficiaries aren't ordinary households struggling to make ends meet. While citizens get caught in an endless cycle of borrowing, the financial institutions pulling the strings keep raking in gains. The structural imbalance is stark: everyday people shoulder the burden of mounting obligations, yet the banking sector continues to thrive off this very cycle. It raises a tough question about whether the current system is designed to work for the many or just a privileged few at the top. This reality is precisely why alternative financial models and decentralized solutions are gaining traction among those seeking to break free from traditional intermediaries.