There is an awful lot of territory in between "debt free" and "massive debt". It's where like 90% of people reside, in fact. No matter how you spin it, being debt free by my age means missing out on A LOT, and those things and memories you give up are not things you can just do later. Believe me, I know...I can't do half the stuff at my age that I did in my twenties. So I thank God that I did it back when I could, instead of staying in and making Ramen noodles every night.Miserable as compared to being in massive debt? I doubt it.
So while I and many others here hear you loud and clear, we still say "thanks but no thanks".