Elon Musk said that he had lunch with Charlie Munger in 2009 and Munger allegedly told the whole table at this lunch all the ways that Tesla would fail. That is both sad but also kind of inspiring because of course Tesla made it. But whether you know it or not, you are very likely piling up a hidden debt that must eventually be repaid. The only way to enjoy the modern world is if your expectations rise slower than its progress.