Fifteen years back, when economists floated the idea of leveraging debt to build stock positions, the public reaction was swift and harsh—warnings flooded in cautioning against such moves. Fast forward to today, and the landscape has completely flipped. Using borrowed capital to amplify investment exposure? It's now as straightforward as a few clicks. The barriers that once existed have crumbled, accessibility has skyrocketed, and what was once treated as financial recklessness is becoming standard practice. The democratization of financial tools has fundamentally reshaped how ordinary people approach portfolio building.