Smarter on what dimension? Loans charge interest so will always be more expensive in the long run. If you're talking about the opportunity cost of "well what if

Smarter on what dimension? Loans charge interest so will always be more expensive in the long run. If you're talking about the opportunity cost of "well what if I invested that cash in the stock market and made higher returns than my loan interest", I would mention that the banks obviously know about this (that's what they do with _their_ money) and it's a factor in how they set interest rates.