Loans need to be paid back in the future, with intrest, or did you think it's free money?

Are we moving the goalposts from “access to cash” to “unlimited gifts of cash with no obligation”?

If you

> use a brand new luxury car as a dinner table … every day

then you will have to find a way on how to repay that money back to the bank.

I thought the assertion was that equity ownership can't be used for liquidity. Apologies if you were just saying wealth doesn't mean you can spend money without net worth declining.