[Tolsti2]

The only upside is that almost all of this is owed to ourselves.

[Alberta's Child]

That's not an "upside" at all.

A better upside would be if all of this was owed to someone else. When you owe that much money to someone, they are at your mercy.

Note the different treatment given to a homeowner with a $200,000 mortgage vs. a business with a $200 million debt to the same bank. The bank owns the home with the $200,000 mortgage . . . but the business with the $200 million debt owns the bank.