Let’s say you have a spare refrigerator in your garage. It keeps a few extra beers cold for you, just in case you might need them on short notice. If that old refrigerator starts to cost you so much that you have to borrow money to pay your electricity bill each month, what would you do about it? Would you demand a salary increase from your employer to cover the difference? Or would you simply dispose of the costly relic, maybe even selling it for a little extra cash?
Perhaps you would just keep that old refrigerator and borrow more and more money to keep it running—because, you know, you might need those cold beers someday.