Should poor people have kids?

[Dmitry1983]

Why is nobody changing course?
There is no functional difference between your own capital and borrowed capital if interest rate is zero.

Ask yourself a question. If you would artificially inflict wealth inequality in an economy will that generate added value?

No. Why is nobody changing course?
Reality is such that less than 10% of population know how to manage capital. As result in market economy wealth tends to concentrate in hands of few and that is what makes market economy efficient. If you try to redistribute wealth most people will eventually bankrupt themselves.

There is a very big difference between debt and personal wealth.

There is no difference for money managers. You use capital to make return. If you use capital borrowed at zero interest rate then your return will be same as if you were using your own capital.