Easier said than done inside of a culture that encourages debt. Indeed, without massive debt our economic system would collapse. But that is no reason to max out a credit card. One should follow the natural law….take out only what you put in. Balance the two columns, red and black should be equal. $400,000,000,000,000 national debt is not payable. It’s just kicking the can. Borrowing from Peter (you) to pay Paul. If the vaunted liquidity, the economic oil, drys up, the economic engine would freeze up. In that case, we will ALL be bailed in. Bankrupted. Imagine that scenario.