The wealthy, middle class, and the poor…
People who have money, the wealthy, lend to the people who don't have money, the poor and the middle class. The wealthy do not want to keep their money in cash, so they invest it in equities and debt assets (lending money to you).
Since I'm in the middle class, if I borrow money, I'm voluntarily giving it to the rich. I am paying them a percentage every year to use their money until I pay back the principal. I am taking money out of my pocket, and I'm putting it in their pocket.
Not only are they making money off of the principal they lend to me. But also, they are creating securitized assets based on that debt…and selling it to investors…making 20%.
A more personalized example.
We have a friend, who has less money than we do that constantly gives us stuff. He buys stuff, rarely uses it, it sits in his house for 6 months, then he gives it away.
Clothes, kitchen supplies, food, etc… He gives it to us because he is a nice person, but he also wants to justify some utility in that thing that he bought (my friends will use it). He also wants to declutter his house, but it doesn't do any good, because he buys more stuff to replace the stuff he gives us. I call it a “Wealth Transfer.“
He lives paycheck to paycheck and he struggles with money. I don't talk to him about it because he doesn't ask. My number one rule, never talk about money unless people ask (blogging is different, hehe).
In Conclusion
It has been my personal experience, plus I see it at a macro level, that people with less income and assets borrow from people that have more income and assets. The poor and middle class voluntarily give money to the rich.
Actually, 
Anyway, stay frosty people and stay out of unproductive debt.