I do not agree with the idea that borrowers are the ones who gain from this, only a few borrowers who know very well what they are doing and who have a great capacity for self-control do so.

In other financial threads I commented it: it is the debate of which system is better to improve your financial situation, Robert Kiyosaki's or Dave Ramsey's system.

The former advocates going into debt to acquire financial assets, mainly RE and the latter advocates getting rid of all debt and avoiding debt like the plague.

Mathematically for a robot or an AI, it would be Robert Kiyosaki's but in real life for most people it's Dave Ramsey's.