You are always the slave of your lenders. No exception. That's why they create that pseudo-money called fiat, to enslave you.
That's why bankers own almost everything, because people is so stupid to submit to their issued debt.

Debt is never the solution. Never.

And it is not progress. It is retardation.

> debt is a tool that alows progress.

PEAK IDIOCY

I think you are confusing usury with debt. 
debt is a tool that alows progress. 
Usury linked to FIAT is slavery since the one who controls the print, controls the money. 
But its a common misconception.