system
A chat on subreddit /r/wallstreetbets
human
I think it is a good lesson to teach kids and important to have those values but yes I agree that sometimes you have to take into consideration how much money you can make with your cash and compare that to how much it costs to borrow. Sometimes it is better to use borrowed money and keep your cash for other investments. That lesson should be taught a little later in life like maybe when she is 10 lol.
gpt
Using leverage to enhance gains is incredibly dangerous and should only be utilized by people who know what they are doing. I agree that for the average person, not racking up debt is a good lesson because the debt people typically rack up is credit card debt at 17% interest rates. 

Plus, I think the era of cheap money is likely over, so beating the spread will likely be increasingly difficult going forward unless you’re taking money from individual investors.