Efficiently incurring is like having a high volume credit card that you constantly pay off: lots of cash moving through, but debt isn't building up. Withstandi

Efficiently incurring is like having a high volume credit card that you constantly pay off: lots of cash moving through, but debt isn't building up. Withstanding cumulative effects is like continually re-financing your home to pull more equity out: at some point you can't keep up, and the failure mode is catastrophic.