Debt is what makes the world turn and flourish if everybody start saving money investing in silver and gold and HODLING the global markets would crash companies would close and many people would be out of work broke and hungry instead of making beautiful things for people to show off at the weddings. Banks print money out of thin air crypto and gold are relatively useless also so why HODL it when you can literally get something for nothing we are at a time in history that may never happen again when an unskilled fool can have the finer things in life splurge until they cancel all your credit and you have no money to pay then declare bankruptcy wait 7years and do it again if you get good at it you can live like a rockstar for a good 2 years. Its the trend all ways go with the trend.