Debt inevitably incurs costs: the interest and the usage fee. Borrowing means using someone else’s property as if it were my own. When the purpose of borrowing is achieved, or when the agreed time to return it arrives, it is returned to another person’s possession, and the borrowing cost is no longer incurred. Costs also serve as the basis for production and are the consideration for almost all debts, regardless of the borrowing purpose. The frightening aspect of debt is that it incurs costs and requires repayment of the principal. Originally, the principal was not mine. Thus, spending with other people’s money exposes you to significant risks, especially when you spend on perishable consumption that disappears after use. If you spend someone else’s money without differentiating between production costs and costs for extinction, you are on the fastest path to destruction. Therefore, luxury can ruin even the rich. - Joseph’s “just my thoughts”
In some cases, the outcome completes the intention to act. Although it wasn’t the original intention, it is a situation where the result of the action appears positively, and even the intention is glorified. Of course, the opposite can also occur. If the result of an action taken with good intentions is negative, those good intentions become a target for blame. It would be ideal if the intention and the result aligned, but that isn’t always the case. There are numerous instances where it is challenging to interpret this world full of deception and changes of heart with naivety alone. Yet, reality is shaped by the accumulation of results. If you achieve good results despite having bad intentions, it is considered luck. Skills cannot overcome luck. - Joseph’s “just my thoughts”