<prompt> Human: i noticed that jayz had a line of credit when his equifax was leaked. now i know that a significant portion of networth does not cash, but i can comfortably assume that jayz probably has more then 20million in cash. why would he have a 5-7m line of credit? i read about the cost to borrow is cheap, what does that mean?either ways, why do rich people in general have lines of credits and loans  <response>: Sometimes the interest on the loan the interest gained by investing. 