It seems like you have a vested interest in what you're preaching here, so I don't know what plane you're really dealing on. I'm sure you know you're talking t

It seems like you have a vested interest in what you're preaching here, so I don't know what plane you're really dealing on. I'm sure you know you're talking to people who understand that debt exists. But I don't think there's any world where you can be so dismissive in a serious discussion about this subject— especially when you assume everyone qualifies for the debt required to gain an advantage—and that those most likely to be unqualified are those on the losing end of the whole equation. Personally, I don't know enough about it all, so I try to understand others' perspectives and background before moving to personal insults—or at least to be a little more direct and less passive aggressive if I have something I think is important to say.