I'm a little extreme on this issue, Mr @tarazkp.
The hole gets deeper when the calculations go wrong and will instantly bury someone who is in debt for lifestyle needs to reassure others that all is well.

All debts are always in a bad condition if they are intended for other than investment. Even investments with accurate calculations also always have a risk of missing. What is always fine is that those who give the debt, who freely act on behalf of the lending service and guarantee that the debt remains to be returned.