system
A chat on subreddit /r/NoStupidQuestions
human
It matters if you intend to pass your house or the proceeds from its sale along to your children as an inheritance.
gpt
...which doesn't matter if you have outstanding debt that doesn't get settled through other assets, like the above comment says. 

If you're in the hole 30k on a credit card or 30k on a mortgage, it makes no difference to the estate. It all gets liquidated if needed, unless someone takes on the debt.