Question: How does a creditor wake up?
Answer: Wealthier than they went to bed.
This is why I eschew debt.
I understand finance, but for both the individual and businesses alike, avoiding debt works.
“The creditor goes to bed at night and wakes up in the morning better off than when he retired to bed, because his interest has increased during the night, but you grow poorer while you are sleeping, for the interest is accumulating against you.”
–P.T. Barnum, The Art Of Money Getting