Exactly, they are just delaying taxation. If their investments return less than loan interest, they will need to begin selling assets to pay the loans. If their

Exactly, they are just delaying taxation. If their investments return less than loan interest, they will need to begin selling assets to pay the loans. If their equity compounds at a rate higher than the interest rate, then they can continue to defer until death where they can pass on to heirs and take advantage of basis step-up. https://www.thebalance.com/how-the-stepped-up-basis-loophole-works-357485 https://www.thebalance.com/how-the-stepped-up-basis-loophole...