I think the same. Mathematically it's one thing but when we take psychology into account it's another.
The logic is: if inflation is at 8% and I get a loan at 4% I am making money, but there are many other factors to take into account, such as risk, that inflation can vary downwards, etc. That's why Kiyosaki's method works for far fewer people than Dave Ramsey's, because being debt free gives you a peace of mind that being in debt does not, and all economic choices are influenced by your psychology.
basically someone dares to make a breakthrough because of some theories and experiences that have successfully done it several times so that he dares to take a loan, it's just that as you say he will get worried biologically and emotionally so that not infrequently they end tragically.
debt free gives you peace of mind