But they have a Big Lebowski bar!

Well, if life were a series of transactions with no history and no relationships between people, the Ferengi rules would be just fine. But people have memories...

There’s no “good” debt, but there’s debt that exists for a good reason. A mortgage is a debt that exists for a, potentially, good reason.

I wrote the original post - the Prime Directive is a general rule with many exceptions. One of them is buying a home - you’re committing future funds but there’s a very good reason. Same goes for buying a car, since it’s transportation and you need it to get to, say, work. How much you commit is another matter though.