I think this really comes down to stage of life for most.
30 years ago I had debt, had to borrow for everything including a mortgage, car etc. we worked hard to pay it all off, and then we downsized into a more modest bungalow.
We cleared off all our debt in our early 40’s and at this stage (mid 50’s), we are focused on sending both kids to university and helping them get established.
I don’t think there’s anything wrong with ramping up the debt as long as it’s affordable and you have a plan to pay it off
