I do see your point of view but it really depends on the amount of debt and your rate of interest. In a low interest rate environment where inflation is high, it can make sense to take out a loan. For example, car loans at 0% make more sense than paying the entire vehicle up front. As long as you have a safety net, you're golden. But when interest is 7%, the math is much different.

Mortgage loans are oftentimes over 5-10x an individuals gross annual salary. If you factor in higher rates it starts making much more sense to simply rent and invest the difference (ie buy more #Bitcoin).

Also, the future is not guaranteed and in a recession those wage increases or job you would depend on to service the initial debt may not be available. In my opinion, it's much more liberating to avoid these sorts of debt burdens.