Financialization and debt have become central to capitalism. At the heart of financialization is the assumption that money can be made from money and that debt can secure one's economic life. However, putting people deeper into debt is more profitable for banks than encouraging savings. Mortgage debt fueled housing bubbles and consumer spending. Treating homes and savings as assets to invest created wealth through rising prices but left people vulnerable if asset prices fell. While debt temporarily addressed Marx's prediction of insufficient consumer demand, using ever-expanding debt as the engine of growth is unsustainable and the debt machine has now run out of steam.