As I said above, some people are much more comfortable with debt than others. I’m not and I was willing to put in the time making the FA work and learn about the tax benefits. My friends own 3 time shares, their kids all had cars (and plenty of accidents and tickets) they went on vacations, had job losses. They are okay with debt.
They are happy, their kids are happy and I don’t think they regret any choices they’ve made.