I'd love to be one of those people who could pay cash for everything... 
****ed if I know how you save 100k for a car, and 80k for a trailer and still live... 
Well short of bankruptcy that's what you indeed have to do eventually, even with income earning investments, in which case you're carefully calculating the return will be higher than the interest penalty over the term of the loan.
The thread title was 'Finance/Security' and we all need to be aware it's axiomatic that you can't hand over security to a financier without losing some of that same security yourself. Yes that security transfer can fall in value with repayments over time but offsetting that effect is the asset's depreciation. Investment or consumption, that is the question?
