hahaha well... speaking only for myself here... some of my loans are because of poor decisions to live beyond my means, some were out of necessity, and some were for emergencies.

Did I neeeeeed BFGs on my Tahoe... probably not lol. Did I need student loans to graduate in 4... yes :D

But for most people... I agree. Aside from a 15 year mortgage, there are very few things that people need a loan for. Having said that, for those of us that do have loans, I think my spreadsheet is particularly useful for organizing your debt in a way that is visually appealing and beneficial in terms of mapping out how you're going to get it paid off.