In reply to Philip Cohen.

If I bought an item for $5 and sold it for $10, people would call me an entrepreneur. But what if I didn't have $5? Would it be so horrible to borrow $5, pay $2 in interest and still profit $3? A system like that would not only allow for growth, but make it scalable.

In the rest of the world, businesses celebrate credit facilities, term loans, and financing packages with press releases and hand shakes. Why? Because they plan to put that capital to good use.

Debt is perceived as predatory when the borrower uses it for the wrong reasons or doesn't know how to use it. The line between celebrating credit and criticizing credit lies with the borrower. If you can't make it work for you productively, don't use it.