Those words are sweet music to my ears 
Given the recent shenanigans in the financial markets, there’s been an awful lot of talk about the over availability of Cheap loans, and how it’s far too easy to get into debt, and as with most things it’s true up to a point. However, my view is that it all comes down to personal responsibility, and that loans, like credit cards etc. are tools that if used wisely, can enhance your life. Take my new camera: It was on a BNPL scheme, which is effectively a personal loan, and enables me to get the camera I want now, and enjoy using it while saving up to pay off the loan in full, and on time. I have no intention of missing the repayments, and if it ever became necessary would sell the camera in order to pay off the loan - the point is, I never borrow more than I can afford to repay. It’s just the same with secured loans or mortgages, and although the scale is bigger, the principle is the same. Use loans wisely to get what you want in life, but sometimes you may have to accept that you can’t have what you want.
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