I mean, I do get it. Some people take on debt as a way to live beyond their means when they could still live a "comfortable" life without the glamour or "keeping up with the Jones". The $80k+ gas guzzling truck bought on credit - that's only used for driving to work and grocery trips - is a good example of this. But a better way of saying this is "live within your means", but it's becoming increasingly impossible to do this and have a standard of living that's just "decent shelter and healthy food" (or even, "enough food") which should be a bare minimum