I guess I won't understand the British way of doing things. America makes much more sense to me. I even have insurance for my car so that if I die or become an invalid through some bizarre accident, my car will be paid off in full. Same goes for the mortgage I had with my ex on our house. If the house was destroyed by fire or hurricane, it would be paid off and I could rebuild or move. My taxes have nothing to do with my bills.
My son made this for me: