Stop spreading that bullshit, most people cannot handle debt and it only gets them into trouble. Not everyone can just magically learn to be fiscally responsible over night. They can ruin their lives with debt pretty quick though. Not to mention that most people who are actively seeking out people to lend money to are predatory as hell.
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I never said go take out a fat loan and buy a ton of crypto with it today, I said "learn" how to leverage it bro.