Karl Marx had a point.
In his book, Das Kapital he wrote in 1867 and I quote:
"Owners of capital will stimulate the working class to buy more and more of expensive goods, houses and technology, pushing them to take more and more expensive credits, until their debt becomes unbearable. The unpaid debt will lead to bankruptcy of banks, which will have to be nationalized, and the State will have to take the road which will eventually lead to communism".
Makes you think, doesn’t it!