Yeah, that's a big issue nowadays, our society doesn't understand debt and how to use it, and people are actually taught that debt is bad and to never go into debt... Which is the worse mistake a person can do if they want to grow, because with debt you can grow a lot quicker, you just need to know how to use it. And people don't understand that the way money is created is through debt... thus, money is debt...

it's unfortunate that the interest rates have increased so much that it's a lot harder to use debt now, I only got a job 1 year ago, before that I couldn't use it, so I got the worse of it.

I've used crypto debt though, because it has much cheaper rates than real debt. Basically used ThorSwap to get a loan collaterized by ETH to buy a coin $BCB right before it rocketed in price, paid the debt and made $8k profit (give or take).