“as long as we continue to live profitably” means earning more than you spend. Now using your whole stack for the loan. No excuse to default unless you’re irresponsible
It’s like fire. Can heat a home or burn it down 🔥
Discussion
You can end up defaulting for reasons which are not under your control. Number does not always go up.
Thats why people shouldn’t borrow against more than 20% their stack. That allows you to easily cover a margin call plus if you live profitably. You need to earn more than you spend.
Also, what are people taking the loan for? I wouldn’t buy a boat with it. I would invest in my business which increases my cash flow
Everyone needs to make their own decisions but it helps for people to talk about it so they can make well informed decisions.
We can agree to disagree, I’m Cool with that.