When you can swim, who cares how deep the water is?
Cheap is the last refuge of a product developer or marketer who is out of great ideas.
If you borrow money to make money, you've done something magical. On the other hand, if you go into debt to pay your bills or buy something you want but don't need, you've done something stupid. Stupid and short-sighted and ultimately life-changing for the worse.
If you want to be a leader, go lead
There's no shortage of great ideas. There's a shortage of execution.
The person who fails the most wins.