Boost to economy, Interest rates, Debt restructuring

I am not an economic expert, but I am a saver and pay a lot of tax. Here are my views on the economic situation and how it affects me.

First of all I think world economy is in a mess that can be untangled by any regulation or restructuring. Years of greed by rich men across the world has lead to this situation. It is really crazy how they made the poor and working class work hard for money that does not exist. It is just a matter of time before this will all come down.

Governments all around the world is planning to boost their economy and India is also planning to do it. It is classical story of ant and the grasshopper. I was always an Ant working hard to save money and always avoided a loan. It is the unwise, greedy and irresponsible people who lived beyond their means and drown themselves in debt. The irony is that the only way to boost the economy is to support these grasshoppers to loan more and spend more. They are spending my money and in the end they get benefited. Do you really think capitalism is helping competition? Isn't it rewarding greed and irresponsibility.

Realty sector all around the world is inflated and this is forcing people to take huge loans and work all their remaining lives as bonded labors. If a middle class person believes that he should live a free man, and decides he won't take a loan he cannot afford to compete with the irresponsible who live on loans. The irresponsible take huge loans and buy commodities (houses) and due to this the commodity price increases and the saver suffers because he can never afford the higher prices. This is no demand supply, this is called living beyond once means.

When market is collapsing big constructors are holding back on price cuts. How can they do it? Yes they can do it with my money. All big constructors have taken huge loans from banks (my money). Banks are not going ahead to reclaim the bad loans, instead they are restructuring the debts. In the end this means that the constructors are keeping the prices high using the money that I put in the bank. Do you think this is fair? This is capitalism as practiced in the world. Let me clarify this is not free market economy either.

We are sure living in a crazy world. World need to pass through anarchy to come out of this mess.