I think some people who have more of a rebel/ entrepreneurial spirit are less comfortable with this way of allocating so much future income stream to shelter. It’s not how we got to say “take this job and shove it”.Not me anyway…can’t speak for others. Very different from 9-5+ career types, I guess? I can’t really get a sense for the security some of you must feel from that. It must be there though, to take on debt like this. Good luck.