For the past 30 odd years, asset prices have gone up while debt has gone down. The magic of inflation. The time is coming when this trend will reverse. Asset prices will going down while the nominal value of the debt remains constant and will cause negative equity in some assets. This is why I don't have any debt. I'm happy to forgo the sats. Staying humble and slowly stacking sats allows me to sleep at night and not care about fiat price of bitcoin.