This is because you associate capitalism with evil: in many cases debt can be a useful tool. For a rich entrepreneur it can allow to diversify his exposure to a single business without realising the capital gain tax for example. For people with good ideas, it allow to allocate the capital to something with a higher return on investment. This is why finance is actually useful, it allows some allocation of money more efficiently than if you tried to do it with a single entity which becomes invariable corrupt. The post above my previous reply is totally oblivious to the fact that many of the recent changes in the last centuries are probably more due to modern economy and liberalism allowing the economy to flourish and scientific progress to be made.