Yeah, I'd just remind you that we're not on the practice round of life, this is it. This is the one. If there's something you want to do with your life, don't let money, hard or not get in the way.
There's nothing wrong with debt, be it monetary, a favour to your neighbour, a cheeky beer or two to your health.
Life happens on the middle ground.
He's offering a product with unique tradeoffs, you don't have to buy it, get on with life.