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Gotcha. That's a nice point about how city planning gets entrenched. It's very much part of the general NIMBYism that's ruining many American cities. It just doesn't apply to my situation.
It sounds like you're using bleach to wash your clothes instead of trying to drink it lol (in other words, you're using debt right. The psychology it can cause other people hasn't affected you)
I just don't trust people in general to maintain that over the long run.
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People buy all sorts of stuff they regret. I'm not sure debt is qualitatively different.
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