Agreed, I have still abuse the current system. my thinking since my fiat days is now different. Currently it's low 1200s for Moosejaw time these days.

Debt if managed and not let out of control can be a very good tool. Getting out over your ski tips is very easy especially if you are using a volatile asset.

I assumed the question asking about large UTXOs was in a future valuation where we are trans fees are in +1k /vbyte