Actually, your posts in this thread were a waste of time from the beginning.

It's my PERSONAL opinion that your opinion on this subject is weak and anyone who listens to you would be taking a shortcut to financial ruin. And instead of defending yourself and making an attempt to justify your position you take the easy way out by complaining that you're being personally attacked and running away from the discussion. Yes, that's the way to convince people that you're right.

You want to take out loans to pay for luxury items you can't afford, go ahead - that's your right. However, you won't find a single financial planner who will say this is a good idea. The risk of hetting underwater on a loan that you didn't really need to take in the first place is too great. And it doesn't matter how low the interest rate is.