One solution would be to put an end to usury. Houses, cars, etc. will have to become far more modest, but in the end they will be affordable without debt slavery.
I live in a house without having debt. I could also pay cash for a car.
People should have the choice to borrow money from other people, and the people lending it should be able to make enough money to make up for the risk of the people they lend it to not paying it back. I don't think society needs to change, though.
One solution would be to put an end to usury. Houses, cars, etc. will have to become far more modest, but in the end they will be affordable without debt slavery.