There is no such thing as going negative fiat.
If you take out USD loans, you’ve created future demand for dollars.
What you resist persists.
Discussion
This is why I've decided I want to minimize (and eventually eliminate) my USD debt, even if that might not make the most sense mathmatically.
(That and the whole "banks loan dollars into existence" thing; I have no desire to contribute to debasement/inflation by continuing to borrow money.)
Better to stay humble and stack sats.