Something that benefits every single person is a benefit to every single person. Just because it benefits some more than others doesn't take away from the universal benefit.

Every system that goes out of its way to "be fair," inevitably is not for someone, and overly complicates that system. If you want to ruin a system, make it overly complicated (have we learned nothing?) A system that is non-discriminatory and universally beneficial seems pretty good to me, even though I, like you, have almost no debt.