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RE: Money as debt, is this an issue?
Una cabeza (realmente pensante) debe buscar todas las alternativas posibles de solución posible, pues el problema no es la deuda en sí, que en muchos casos ayuda a resolver otros problemas, sino el cómo regresarás. Si las condiciones están verdaderamente claras desde el principio, el final será el mejor escenario posible.
Hope the meaning is not lost in translation :)
Totally agree with you about the fact that there is a decent level of uncertainty in conditions under which the money is usually issued as debt nowadays. The return percentage is changing in unpredictable ways. Under such circumstances, it becomes difficult to make long term planning and make business.