Say you are looking to buy a computer, the most state-of-art computer you can buy with a budget of $6,000, and say that you need this computer for whatever reason.
You go to two stores.
Both stores offer decent computers that would fit your budget, but for some reason, none of them really sit well with you or ideally fit your needs.
The first store does have a computer that you feel would be practically perfect... but it costs $10,000, and you would have to go into a rather undesirable debt in order to buy it. You're not sure if the debt would necessarily be worth it in the end, but the computer would be a dream come true and would make things much easier when it comes to your needs.
The second store offers you a deal. For your $6,000, they would promise you a computer that would surpass your greatest dreams (they have exclusive connections with the manufacturer); however, they don't have it yet, so you would have to use a loaner computer until they get it in (date of arrival unknown). The loaner computer doesn't really meet your expectations or needs in a computer.
What do you do?
Do you buy a $6,000 computer which may not be ideal and is barely sufficient, if at all?
Do you go into debt $4,000 to buy a dream computer which would make your work a lot easier?
Do you take the second store's offer?
Most importantly: Do you see what I'm getting at?