I thought debt consolidation was like a bank "pays off" your outstanding debts and then compiles that into a new singular loan that you pay off, i didnt know they just give you a loan and then you go and pay the debts yourself individually. Whats the point of this gay ass credit system, whats it even based on i figured banks can file and see all your outstanding debts or some shit is it really all decentrallized and not understood in any way whatsoever yet is still the basis of almost all modern economics?

Are there really normgroids that dont know you can just stop going to work and find something else, or dont even? I figured this out as a retarded 18 year old working in a warehouse, you telling me theres 40 year olds that feel like they have to work a job they hate just because they just have to and thats that?