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Over the course of the first decade of the 21st century the general level of household indebtedness, including mortgage and consumer credit loans, has generally increased in Europe.1 The level of indebtedness became a considerable social problem for many individuals in various European countries after the outbreak of the 2007-2008 financial crisis, which had serious ramifications for Europe. These simple observations should be placed in the specific political, economic and social context which has characterised Western societies in recent years in which it is possible to observe an increase in the level of consumption and household debt. It should be noted that the increase in levels of household debt was not solely a casual development rooted in the changing consumption habits of a more and more individualistic society. Rather, this increase was most notably the result of specific economic and political …