It's almost a religious narrative:
1) You are to be born into debt. You shall pay your ancestor's debts, long after their deaths, to satisfy the legal rights of those who lent them the money to buy their houses, pay their doctors, and educate their children.
2) You take your place in the line of debt.
3) You "work." That is, you trade time and thought for the right to pay "your" debts.
4) Meanwhile, the unspoken debt to the earth grows, as you borrow from the earth to service your ancestor's creditors legal demands.