I don't hold any debt. Just gonna say that up front.

I do see a difference between *productive debt* and *unproductive debt*, though.

Using your stack as collateral *can* be productive. I don't think it's fair to assume its wrong. And where the line is between usury and not usury kinda depends. For sure, usury happens.

ALL kinds of debt require remarkably higher levels of discipline to manage than, I think, the general populace has been trained/educated to do. And therein is the issue.

So, for the blanket masses? Yeah, not a good idea.. there shouldn't be marketing for this anymore than pharmaceuticals.

But to imply all debt is usury? A bit of a stretch.