> Any thoughts?

Yes. My thought is that when one is planning for others to live a certain way to benefit society, that telling them to go into debt to benefit society may work over the long term over a large population. However, this only "works" if you treat people as interchangeable numbers, and if too many of the people deviate from your plan, the debt driven society will stop working as planned.

However, when one runs their own budget which needs to last through the ups and down, and presumably get one into a better place than they started, saving or investing is better than going into debt.

Just because there are multiple books advocating you spend your money ... well - the old adage is, "Don't believe everything you read."