My pre bitcoin self loved debt. I never used it to buy stuff, but I believed in the OPM(other people's money) theory in business. I would never use my own equity if I could borrow money for an investment, mainly real estate. It worked out for me. I managed my leverage. It would be fair to criticize me as a rent seeker who took advantage of the Cantillon Effect. I didn't realize that's what I was doing at the time.