Nothing has been 'taken away' from you. Someone lent you $X to buy something that you thought was worth $X. The value of what you bought has gone down, it's now worth $(X-Y). The bank didn't do this. They lent you $X and you're paying them back for that $X at the interest rate that you both agreed on.<p>Cars notoriously devalue over time. Are you saying that the bank is stealing money from you because you new car dropped 10% in value the moment that you drove it off the lot, but you are still paying the bank for a loan of 100% of the original value of the car?