It still won’t be free for at least two reasons: 1. By the time you must repay the debt you will need to curb your consumption to less than the future productio

It still won’t be free for at least two reasons: 1. By the time you must repay the debt you will need to curb your consumption to less than the future production’s capacity. 2. During the initial borrowing phase you will increase consumption relative to other participants, curtailing their utility.