and that point is... we want borrowing money to become more expensive because we're going to magically get away from borrowing money once it becomes more expensive. If anyone knows ways of borrowing money once it becomes more expensive, please write to Congress at 'WE LOVE TO BORROW MONEY ONCE IT'S MORE EXPENSIVE CONGRESSIONAL COMMITTEE'. I've heard of other people borrowing money once it becomes more expensive, but that's not really the norm when it comes to borrowing money once it becomes more expensive. The very nature of that, borrowing money once it becomes more expensive is all the more reason why you SHOULDN'T BORROW MONEY ONCE IT BECOMES MORE EXPENSIVE.