If you have all your stuff paid off and have some money put back you will be saying "what crash". Also not being forced to row with the rest of the slaves is kind of nice.
No we still row , because they are skimming money from adding new fees & things !!! If I was just starting out say 18 YO & know what I know in the BS they tack on , I'd be out of this system , there is a slim chance that a young pair will EVER be free & clear if they have kids now. I hear that many are debt ridden & will never see any flush / black .