To be clear your question turns an Econ question into a poly sic one. It’s well worth asking but it is a completely different domain. From an Econ perspective

To be clear your question turns an Econ question into a poly sic one. It’s well worth asking but it is a completely different domain. From an Econ perspective this is pretty clear. Borrowing when things are cheap is more efficient than when they are expensive. Also as a side note, you present lots of opinions as facts in your argument (even if they are opinions I might find agreeable).