Didn’t our economic problems largely stem from people borrowing too much money? Spending money they didn’t have?

Am I missing something?

Whatever happened to living within ones’ means and saving/investing what was left over. You’re talking about borrowing to invest.

The only difference I see between this plan and people who bought houses they couldn’t/shouldn’t have bought is you’re talking about commodities not real estate… but you’re still making the assumption that commodities can only go up. And using borrowed money for that assumption.