I (used to ) LOVE debt, good debt. Over the course of my younger years I was able to purchase several income generating investment properties with little or at times no down payment. These days all but a trivial amount of it has been paid off. What remains is in the 3% interest range and tax deductible so I choose not to pay it off but to amortize it in accordance with its scheduled payments. I have never carried credit card debt or bought a vehicle on time. That would be bad debt IMO.

I'm not saying you are wrong. But I had a mortgage once, and I couldn't sleep at night, so I paid it off in 2 years. I never borrowed money again. It is amazing how much money you can accumulate when you have no debt. Some people are an exception and they can use debt to make money. But most people, who borrow money often, never accumulate much wealth. That is my experience.