<prompt> Human: Saw an AskReddit thread about adulthood and it shocked me. The simplicity the person talked about dying with debt, and the person backed it up too!  <response>: Theres an old saying If you owe the bank a million dollars you have a problem. If you owe a bank one hundred million dollars the bank as a problem. Thats the premise here. If youre running at or near empty might as well be in debt. 