[kgwgk]

It also makes sense to buy lots of kettles and designer handbags when you're a merchant of kettles or luxury goods. You could make a case for anything, but some of those scenarios may be more relevant for the general population than others. I'm sure that for most people spending in real estate or education may be better than spending in fine wines, holidays or luxury cars.

> Everything is a tradeoff.

Absolutely. You trade work against money and money against stuff. You could have more money and less stuff. Which means having less stuff now and more stuff (or less need to work) in the future. Because money and debt are tools to move consumption between the present and the future. That's the point. It's a choice and nobody is limiting your capacity to consume in the future by forcing you to consume today.