I feel as though I was pretty clear in my original post that there are people who get stuck working minimum wage or get a crappy useless diploma. There's obviously people who will still not be able to pay off a debt under 10 000. There are people who will never and have never considered buying a house or car. If somebody doesn't have a car to begin with they can exactly sell a car and get a bus pass now can they. So no this situation was never meant to apply to everybody but that's no reason to deny it isn't a solution that would apply to many people. A few comments on the internet aren't going to change what I see all the time from people who just don't know how to manage money.