I think I learned the best financial secrets in later which were all clearly in my sight but I was blind to see. First one is to use debts wisely to leverage your position. With good timing you can secure your future through real estate investments by being little bit indebted. Second is to always keep saving no matter what people say. If you spend a lot to buy unnecessary products you are selling your life away (let's assume you are laborer). First thing to do is to exit labor and generate money. Always.
In conditions like this, maybe for some people it can be done but when talking about debt if we can't do it well then in my opinion it's better not to do it.
For some people, debt may be maximised with some careful calculations so that their living conditions are better but on the other hand it can also be a double-edged knife because if it is wrong in allocating the loans made, this can actually kill yourself.
I don't have a problem with this kind of strategy, but if there is another strategy by not using loans then I think it is a good choice.