[BinRoo]

Saw the title, jumped to the diagrams, and thought I knew where this was going, but I was way off. I made the exact opposite conclusion from a quick glance at the diagram - that debt gives you more freedom. It allows you to go in the red. That a safe, debt-free life leads to less volatility and therefore less ups. Then I read the article, and couldn't hold both opposing ideas in my head.