Dear Mr Lardy Dar I've worked all my life to get where I want to be and haven't borrowed anything...
Well bully for you.
People take on debt, its called perceived risk.
They risk the debt now to get a better job later.
If they were going into debt now to get a flash car or a sofa then I would have some sympathy with your arguement.
However people going into debt and taking a risk has to be admired.
At least they probably have a life, rather than being some boring twit with a Gordon Brown complex.