Millennials are so in debt because they are always sold into debt. "Get a $150k university degree you can't afford" and they get a loan. "Buy a house that you can't afford" and they get a loan. "Buy a car that you can't afford" and they get a loan. "Can't get a good paying job because that university degree we sold you was worthless but still want to consume, consume, consume" and they put in on their credit card. It's debt servitude and we are the slaves.