Right, I think that's where the idea of "debt is bad" comes from, only thinking about money as "i can only use money to pay for expenses" as opposed to "i can u

Right, I think that's where the idea of "debt is bad" comes from, only thinking about money as "i can only use money to pay for expenses" as opposed to "i can use this to make more money", and then of course you always have to consider inflation as well.