So there was a thread taht got delted why i was replying to to it This is what I planted to write, and i liked the thought so wanted to see opinions. I'll tak the posters name out since it serves no purpose in this context If this were rational advice for every situation, ever ... we'd be in an eternal stone age. Lending and trade ... two pillars of creating real wealth, that is, they achieve more efficient utilization of resources than could be realized without. Not that it's bad advice for some people, some times. Discuss.