[charlesdm]

Now you're talking about "consumer" debt. i.e. debt to buy a car / house / student debt / etc. That's bad debt.

If it's not intended to be used for investment, I would personally never use debt.

[branchless]

You have no choice other than to enter into the land based debt system. Don't want to borrow for a mortgage? Pay high rent on a place because someone else bought it with a big mortgage.

That is land enclosure.