If you have debts, you must pay them off. You would rather be in debt for hundreds of thousands than live a luxurious life, which shows that you have no love at all. That means you can enjoy the peak of your life with the borrowed hundreds of thousands, and then you will die. You never thought about paying them back. Being rich can make you happy, yes, but being in debt can make you happy? Don't ignore your psychological needs because of material needs, otherwise you will feel that living is boring. Life has its ups and downs. We came into this world with joy. Happiness lies in being able to create all kinds of feelings we want. Everyone wants to live without food and clothing. Why not reincarnate into a more perfect world? Because the so-called perfect world is boring and there is no challenge, everything we want can be changed, and then we want to compare with others. It doesn't exist, because everyone in that perfect world is perfect.