I agree this is a terrible mindset, but I'm not sure that's the dynamic here. The article talks about low income, indebted young people, which is very different

I agree this is a terrible mindset, but I'm not sure that's the dynamic here. The article talks about low income, indebted young people, which is very different from your situation which is entirely voluntary--it's not simply the most economically efficient choice to achieve some other goal, it's the end in itself, right?