In general, you pay enormous interest on unsecured credit. House? Mortgages have single-digit interest. Car financing? More complicated, but often free, or ev

In general, you pay enormous interest on unsecured credit. House? Mortgages have single-digit interest. Car financing? More complicated, but often free, or even negative (I bought my car for less with financing that it would cost me outright). Credit card? Tens of %. I guess a "line of credit" is essentially the same as a credit card. A bank can in principle recover your credit card debt off your house, but it's difficult.