You have a lot to learn.

https://www.amazon.com/Creature-Jekyll-Island-Federal-Reserv...

Yes. People getting paid fairly don't need ridiculously unreasonable loan conditions to buy a house.

The fact that you are bringing up stocks as compensation says a great deal.

Cool so I can have healthcare while I starve naked on the street cause I can't pay for food,clothing or housing with my insurance card.

FRED... oh man. You mean the private business that was created specificity to rob every person in the united states says nothing is wrong. In fact it is great? Cool....

Read https://www.amazon.com/Creature-Jekyll-Island-Federal-Reserv... If you really want to know what is going on.