True. But then, I the world of business, there is something called good debt and there is also bad debt. “Good” debt is money owed for things that can help build wealth or increase income over time, such as student loans, mortgages or a business loan. “Bad” debt refers to things like credit cards or other consumer debt that do little to improve your financial outcome. You can read more about good and bad debt here. It depends on what the debt is all about in the first place, because not everyone have someone to support them while trying to achieve their dreams, others struggle on their own. So, I think I what I will add to your point is, don't go into debt if it is definitely a bad debt, and if you must borrow in the first place, don't loan money that is more than your monthly earning. Thanks for sharing your thoughts, it's nice having you here.