Financial Slavery

I have been banking with Standard Bank since 2009 and had my salary paid into my account uninterrupted since then including a couple of severance packages. In 2019 I app**** for a home loan and Standard Bank declined my application "based on affordability".l then got financed by FNB with a monthly repayment of R10K which I have paid every month without fail till this day. After Standard Bank declined my bond application because I couldn't afford, they went to finance my car at R3700 per month, they gave me a R40K overdraft, a R141K credit card with a R4K monthly repayment, a R110K loan with a R4K monthly repayment. On monthly I pay Standard Bank above R12K which is R2k above the bond which I could not afford. My question is what do you call this? Capitalism? Financial slavery? How can a responsible financial institution choose to finance me for vanity over sanity? They still lure me to apply for more on my credit card! I have paid back about R110K of my credit card and I approached them for a mortgage guess what the outcome was? "Declined due to unaffordability" For sanity sake, you still want me to get more credit to feed the toilet but don't want to give me something to develop me? You know by giving me a revolving credit I will always be your slave paying you interest every month on a credit that will never end whilst I benefit nothing. You put credit protection to safeguard your self in case I die still owing you and my family is left with nothing! Shame on you Standard Bank I'm greatly disappointed. I will save hard pay what I owe you and walk away. Your relationship is toxic!