I'd like to take out a smallish loan to finish all the small-to-medium nuisance projects around the house. I can afford to pay it back since, probably unlike most, I don't have a mortgage (nanny nanny boo boo!). But I fear losing my job, even though that fear is probably pretty irrational. Or maybe not.
Since I'm not taking out the loan, I'm not buying the materials or hiring the craftsmen.
Since I'm not buying the materials or hiring the craftsmen, HD and Lowe's aren't getting my money, and the craftsmen aren't getting hired to do my projects. Therefore, they don't get my money.
Since no one's getting my money, the economy is that much worse because the sales at HD & Lowes are down, and they have to lay off someone. And the craftsmen can't make their truck payments, so their trucks get repo'd and now they can't work.
And because the HD employees and the craftsmen can't run around and spend money, thereby paying taxes into the state coffers, funding at My School is cut even more drastically and enrollment dips even more.
And then maybe I don't have a job any more.
Clearly the only way to save my job is to take out a loan.
(And I say this in only partial jest...)