I respect your opinion but I think you are wrong in some ways. Investors also take loans, they also take home loan, car loan but their deference is not about that. the difference is their mindset, think about future and not only how to survive in daily basis, on how they will use what they loan in a more effective ways. Example, two guy have a loan for a car, and one person use that car for business while the other one is use only for leisure. And both of them have to pay the debts but since the investor use it for business, he has support on paying that while the have nothing.
An investor is business minded and always think on how he can gain profit.