You are the only person who allow yourself to become ENSLAVED. You don’t purchase things that you cannot truly afford.
Some people need to learn things the hard way. We had all these loan people and RE agents trying to get us to take out a stupidly big loan for a house we couldn’t afford. It was ‘conventional wisdom’ that the price of the houses would just keep going up. We didn’t buy into it, but a lot of folks did.
And yeah, they made a mistake. They’ll pay for it with crappy credit for a few years and the lesson is learned. It’s not like they put the house in a duffel bag and ran off to Timbuktu with it.