I'm assuming you're referring to the Fed. Aside from that, debt is voluntary in this country. This is an anomaly in history, and the reason the USA is a great thing. Even more: debt responsibly used will make one rich. It's an incredible development never before seen in history that the peons can walk into a financial institution like a bank and negotiate debt contracts that enable them to purchase businesses, properties, and assets that would otherwise be impossible. This "detail" seems lost on many...we call'em "communists".