if you want to run with that analogy, command line shells running in terminals are assets, not debt. Not knowing how to use them is poverty, lacking having asse

if you want to run with that analogy, command line shells running in terminals are assets, not debt. Not knowing how to use them is poverty, lacking having assets. you can't just take the word "debt" to mean bad, then just throw it around for things you don't like, especially applied to things that take effort to learn, effort you have not and don't want to expend.