There's no reason not to put that pretty credit score to good use. Debt contracts are boringg, I want you owing the bank. I want you on your knees stroking, sweating, fucking that send button and then having to pay it back with interest because the real life consequences are terrifying if you don't. No more juvenile games with a spreadsheet that seems optional. Put your car up as collateral and see how quickly you regret falling down My rabbit hole.