This is what differentiates the mindset of rich people, middle class people and poor people when it comes to debt. What is very visible is the way they owe. If rich people are in debt, they take it into account, they go into debt so they can make more money (become productive). Middle class people are in debt to fulfill their daily lives (consumptive). And poor people go into debt to pay more debts (digging holes and filling holes)
This says it all, it's all about the mentality that we have that will determine how far we go in this life especially when it comes to business or wealth decisions. You can't be having a poor man mentality and be doing things like the rich. The rich man buys a yatch/private jet and turns it into a business but the poor /middle class man buys that (if he can afford it) and use it to display his wealth to people that don't care. The poor acts rich to oppress the poor while a rich man doesn't have the time to start proving to you that he is rich. He does things in the way he wants and can choose to behave in anyway he wants because of his mentality
Rich people go into debt for the sake of business because they believe that going into debt is a way to add additional income, but it does not rule out the possibility of adding a new business, which in essence means they go into debt so that the money works for them.
Before someone can use debts to make money, he has to be smart so wealthy people are actually smart and aren't just lucky. It is only a few that are lucky and the wealth don't always last in their hands. Money pays attention to only people that have the power to control it. Using debt to make money is a unique technique that most rich people (that got wealthy through other means) can't understand so you don't call someone that does that a lucky person/not smart because then you'll be lying or just hating.