My hot take is taking out Fiat Debt is Bullish on Fiat because that's what they want you to do.

Being Debt Free is Bearish on Fiat.

The longer you're trapped in their system the longer you feed it, and give it legitimacy.

Escaping Fiat Debt means escaping the Fiat mindset, and system.

Peer 2 Peer Cash is the only way.