>>4974264 lb

I'll give you quick personal econ lesson…

Since we live in a capitalist society, where loans/credit increases the overall money supply, it's an uphill battle to increase your personal wealth or even keep your head above water, without utilizing those tools (loans/credit). But it's important that it's used wisely. Is it okay to borrow to buy a car? Yea, if you need it to get to a job that's gonna ensure you pay off the loan. Always consider if the loan/credit will help you increase your income.