I agree with your thoughts on self financing, that's the reason I became a ghost in the first place. But there is a time and a place for it. Now that I'm a little older and wiser I'm looking more into investments and making my money work for me. Once you've used up your liquidity financing becomes another tool to grow your net worth. It's easy to find investments with returns that beat the interest rates if you have a half decent score, so that's really my motivation to now pay attention and raise my score. I walked away from the credit industry in the past but I'm a bit more level headed now and it's hard to turn down a 3% earn after interest on a few hundred thousand when all it requires from you is a signature. That's enough to make me want to play their game.