Never bought a house Gary? Never had a debt to pay off over the years? Who will benefit from you being in debt, in the end? Why, it’s the future, in the form of your children inheriting the wealth after your death. Did the children (the ‘future’), benefit from the debt of home ownership? Yep, ‘the future’ lived in and used the infrastructure, while it was being paid for. Pretty simple if you think it over.