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If you have the income to support such a loan, then you also had the income to save the money up yourself :)? So why borrow it. Impatience? Or necessity? Or something else
You nail it! It's about having a long time preference, proof of work, and the virtues and values that enable us to reach the goals we put in place for our and our community future benefit.
Getting a house or car sooner I think enslave us and does not allow us to change our goals when and if needed or in a larger scale be in control of our lives. Once you sign, you literally f*ck.
But I get the point of what most citizens are about, at the en of the day what we want is being comfortable, and don't care about anything else.
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That's how you say it, the comfort zone, I think that nowadays it is more comfortable to rent, have bitcoin and wait, since you have your wealth in your hands to be able to make moves if necessary, debt is slavery.
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