For a long, long time we had 0 interest rates (actually negative). I tried to explain ppl around me that they need to be in debt. It's the only sane decision with fiat standard.

The general consensus in my country is that debt is dangerous and dishonest. They were all wrong. And will unless we actually see deflation pressures.

Be in debt. Land fiat against bitcoin collateral. Don't pay (capital gain) taxes.