Is anyone, or very many people, agreeing with you? Going into debt is extremely dangerous. Budgeting cash is one of the important things a good manager should do. Before going out and buying alot of players, and building an arena that is too big, a wise manager will understand the cash flow and live within his means.
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We really dont have loans. Rather each team is extended a $500,000 Line of Credit.
as to those unexpected times when a loan is appropriate? a couple of your starters are injured for 2-3 weeks and you have no cash. maybe this would be a good time to draw against the line of credit and buy some average players. otherwise, debt is evil.