Any banker can explain this one easily. A car that will get me to my job for several years is a good investment in my future, and it's perfectly okay for me to take out a four-year loan to buy that car. A water purification system that will help a city to grow larger, healthier, and wealthier is a good investment, and it's common practice for local governments to float municipal bonds to fund such projects. The federal government makes investments in our country's future, just as the rest of us invest in our own future. Moreover, most of us borrow to help fund investments intended to make our future better.
Borrowing is a sound method of financing good investments.
Capitalist societies have been more successful than any other in history at making successful, wealth-creating investments, and the United States of America has been the most successful wealth creator of all the capitalist societies. Much of the successful investing has happened in the private sector, but not all of it. We should also be advocating good investments, funding them with debt as necessary. It is very difficult for ordinary people to protect themselves from outlaws. Protection has always been a highly specialized occupation, and in fact it is the oldest profession.