I think that the analogy of drawing lines on a volatile plot is a good starting point. But fails to account for some dynamics of how the consequences of debt ca

I think that the analogy of drawing lines on a volatile plot is a good starting point. But fails to account for some dynamics of how the consequences of debt can be different. Debt limits choices. But, one can still make a choice that expands their liberty. Having a stable home, being able to go to college, etc. are good uses of debt. Buying a flashy car purely to impress the neighbors? Maybe not.