A kid wants a college education because they know their future career will produce more income with an education than without an education, but to get a college education the kid must create a major debt in the form of college loans to finance the college education.
A small business owner wants to build the business knowing the soundness of the firm's business plan, but to finance the business plan the small business owner must create a major debt.
Both the kid and the small business owner could play it safe, take no risks, and be content with the fact their future is stuck in park while taking satisfaction in the knowledge they don't have any debt.
The Kingston Trio had a song describing such situations very well. The name of the song is "Desert Pete", and the lyrics are as follows:
I was travelin' West of Buckskin on my to a cattle run, 'cross a little cactus desert under a hard bargaining sun. Thirsty down to my toenails, I stopped to rest me on a stump, but I tell you I just couldn't believe it when I saw that water pump. I took it to be a mirage at first. It'll fool a thirsty man. Then I saw a note stuck in a bakin' powder can. "This pump is old," the note began, "but she works. So give'er a try. I put a new sucker washer in 'er. You may find the leather dry.
You've got to prime the pump. You must have faith and believe. You've got to give of yourself 'fore you're worthy to receive.
Drink all the water you can hold. Wash your face to your feet. Leave the bottle full for others. Thank you kindly, Desert Pete.
Yeah, you'll have to prime the pump, work that handle like there's a fire. Under the rock you'll find some water left there in a bitter's jar. Now there's just enough to prime it with, so don't you go drinkin' first. Just pour it in and pump like mad and, buddy, you'll quench your thirst.
Well, I found the jar, and I tell you, nothin' was ever prettier to my eye and I was tempted strong to drink it because that pump looked mighty dry, but the note went on, "Have faith, my friend, there's water down below. You've got to give to really get. I'm the one who ought to know."
So I poured in the jar and started pumpin' and I heard a beautiful sound of water bubblin' 'n' splashin' up out of that hole in the ground. Then I took off my shoes and drunk my fill of that cold refreshin' treat. Tthen I thanked the Lord, and I thanked the pump, and I thanked old Desert Pete.
It takes priming the pump to get what you want and need. Desert Pete and his mason jar are the government and the stimulus while we are the desert traveler and the pump is the economy. If we drink what is in the mason jar, the pump remains out of commission.