Thanks for providing the additional clarifications, I think pretty much all of it is valid, I just have a slightly different perspective.

Most people would likely agree with you that investing into a home through dept is reasonable. I don’t disagree.

I also agree that you can utilize loaned capital in a way that your earnings outperform the debt incurred.

You’re still gambling though. You can not afford to lose your home, or that loaned capital. Maybe you feel like your chances are good, and maybe they really are, but you’re relying on your personal prediction of the future to ultimately resolve that debt.

A “real” investment is just as much gambling, but the fallout from failure is entirely different.

Garbage blocking garbage. Fuck Reddit

Just FYI for whoever needs to read this: If you go into debt for a single investment, it’s a mistake. You are supposed to invest your excess, into as many isolated pools as reasonable. If you’re part of the majority of the population, which doesn’t have an excess, you are not investing - you are gambling.