You beat me to it. While you can "avoid" the debt by working around it, you're still paying by having to implement the workarounds rather than being able to do

You beat me to it. While you can "avoid" the debt by working around it, you're still paying by having to implement the workarounds rather than being able to do it in a more straightforward manner. All you're doing is swapping interest costs with opportunity costs. The piper has to be paid, one way or the other.