I think there’s some ambiguity in your phrasing and that might explain gjm’s disagreement:
You seem to value the (psychological factor of having debt) at zero.
Or
You seem to value the psychological factor of (having debt at zero).
These two ways of parsing it have opposite meanings. I think you mean the former but I initially read it as the latter, and reading gjm’s initial comment, I think they also read it as the latter.
I think there’s some ambiguity in your phrasing and that might explain gjm’s disagreement:
Or
These two ways of parsing it have opposite meanings. I think you mean the former but I initially read it as the latter, and reading gjm’s initial comment, I think they also read it as the latter.
The crappiness of the English language. I meant the first.