Re:

"I am not in debt to my eyeballs I owe on my house which in our structure in society I have not a choice but to borrow to cover the cost."

Wrong. You do have a choice, if you wanted to not pay usury and be in debt. You could rent as I did and save up and buy or build one. But most people think if they buy a house it will "go up" in value, and they all want to cash in.

Your master is caesar, not god. The borrower is slave to the lender (proverbs 22:7). It is not possible to serve two masters. It is the debt-usury that you've consciously engaged in that has caused your attornment.
Under article 1 section 10 of the constitution, individuals have an unlimited right to contract. You have made your choice.