With money supply growing at 7% per year, low fixed interest rate debt is the smartest move you can make, as long as you use it to buy scarce assets and don’t over-leverage. It’s a tool. I use debt all the time in investing, and it keeps me liquid because I don’t spend all my good money (bitcoin) on new assets. I can use shitty borrowed fiat that debases faster than the interest payment. Make the banks pay us some of that back after decades of robbing us blind.