Been thinking a lot about debt, given the economic necessity (as best I understand it) of going into quite a bit as a nation. The reality of debt, like the Bible says, is that the borrower is slave to the lender. I think every debt related cost — interest rate, Vig, Collateral at risk, monthly payments, hits to your credit score — is an abstraction of the raw reality that all debt represents spiritual enslavement.
Note to self: revisit idea about passing up apartment communities in context of my learning about the value of long term communities