loans borrowed time literally are

I have two loans. My car-witch gets me to work and buys me time. And a personal loan-used to buy corn which will buy me more time in time. Which gives credence to the idea that time is not linear.

> borrowed "efficient" time

Effort invested does not mean a lucrative outcome.

Yes, but there are people who use them to produce more time than was consumed by the loan. Time positive in a way. But I don't think this little trick will last forever, or at least not to the degree it does in a fiat world.

I tend to avoid debt, but it isn't as clear cut as almost anyone tries to make it. I'm sure some people are benefitting from it. Good for them. I chose to avoid that route and don't regret it.