Things are not always black or white, grey also. There are many issues you can resolve with (controlled, limited, reasonable) debt. For example, if your business has a 20 percent yield, you shoud take a credit with 5 percent interest. Or student loan can be the only way to make your carreer, mortgage the only reasonable way to leave mom's home. But I appreciate your effort with an upvote becouse you are making us think.
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