Every time you borrow money, you're robbing your future self.
The real sting here isn't the moral judgment—it's that debt creates a peculiar form of time theft. When you borrow today, you're not just committing future dollars; you're mortgaging future attention, energy, and choice. A young professional taking on student loans might feel they're investing in opportunity, but they've also locked themselves into years of monthly obligations that will shape which jobs they can afford to refuse, which cities they can move to, and which dreams require a permission slip from a lender. Morris reminds us that the future self isn't some abstract concept—it's someone real, trying to live their actual life, suddenly constrained by yesterday's decisions.