Very well said 😊 You definitely channeled what I was thinking. So many things in recent years have been twisted out of context or have taken on new meaning. Like 'Work smarter, not harder' It's one of my favorite quotes. As you mention people have given it another meaning.

If you have the money and SP and you can and it's a good ROI then by all means. To use it as a sole means? Seems to me you're working to pay yourself. As all of this goes it's all in the ROI.

I think you have a great 'argument' for both sides. It's very balanced. The biggest issue, is this is not something one dives into. You have to do your homework.