My two cents is to point to an analogy with the economies of under developed countries: The more debt you have, the more difficult it is to get rid of it, and in the end it may lead to defaulting and bankruptcy.

So, you can't just "borrow" everywhere, and think that you are able to repay. It is important to refactor and downpay immediately, when you realize that you are going to depended on the debt elsewhere, or you'll get accummulated debt when you'll have to downpay the dependencies as well.

I'll coin that as the "future value of money syndrome". :)