Taking debt for investment is actually good because it allows us to get bigger profits, but this also has to be done with fairly mature calculations or calculations because there will be a lot of/big risks that we will face.
Some people have different personalities, but in my opinion it is not good to be in debt unless it is for things that can provide greater benefits.
However, I don't agree with what you said because going into debt to invest is very risky even if you understand calculations, but in the world of investment, nothing guarantees the correctness of predictions. Meanwhile, we have to pay our debts on time, so if our investment does not go according to plan it will cause you to fail to pay your debts.
So it is very unwise if we go into debt just to invest, unless we go into debt to do business, but of course with the correct calculations. Because business and investment are different activities, investment has big profits but also has big risks, different from business.
Regarding the OP's statement, I also don't agree, by being in debt we are not lazy. This is just a matter of mindset, the fact is that life cannot be enjoyed if there is too much debt, especially if the debt is not for something productive but consumptive.
Dude, you seem to be terrified of debt for investing. Even launching a firm, every economic action is a chance though. Let's get clever about debt rather than panicking over it. One can use debt as a tool rather than only a trap. Good debt is It's energy for your life. It can make you tougher, wiser, and richer. Bad debt? Like junk food, it tastes great now but can cause problems down road
Then quit complaining yourself for debt. Everybody is striving to survive; the economy is a jungle. Debt is simply a component of it. But remember, be smart about it. Don't let it control you. Control it