<prompt> Human: Im a senior in high school. Having taken a previous personal finance class at another school, and having moved to a new school, Im required to take another personal finance class. At my new school, our curriculum for personal finance is led by Dave Ramsey, and Dave Ramsey only. No teaching, just video lessons and fill in the blank guides. My main problem is, the only thing that is really being taught under Daves course is that you have to live your life completely devoid of debt, whether it comes to buying a car, getting a house, or going to school. There is other minor information throughout, how to write a check, and keep track of funds. But the only main point throughout the entire course is that having debt will make you slave to the lender. Is this legitimate advice? And is it appropriate for a high school personal finance class to be led entirely without an instructor?An example from our online text book:  <response>: Yeah, no.This like getting sex education based on abstinence. 