Incurring a debt is making a bet that future 'you' will be more productive than current or past 'you'. Shifting resources from the future to the present or past via debt inherently means that you believe today that you can create a better future than you currently forecast you will have if you don't incur the debt today. It is, in a sense, an oxymoron. Why is current or past 'you' more capable than future 'you' on your current or past trajectory?