I have a friend who owes 800,000 and is about to go crazy.

I told him: Don't pay it back, you can't afford to, keep borrowing.
He stared at me: Are you crazy?
I said: You currently owe 800,000 and are afraid to answer collection calls. But if you can grow your business to 5 million, that 800,000 becomes your "startup cost." No one will chase you anymore; instead, people will ask if you need funding.
He took it to heart. Using his last bit of credit, he maximized the leverage of his sole proprietorship, focusing on cash flow and data, not profit.
Six months later, his cash flow reached 8 million. Banks approached him proactively, friends invested in him voluntarily. That 800,000? It’s no longer worth mentioning.
Debt—small is a shackle, big is leverage.
The truly smart people grow their debt. Owe 50,000, and you're a loser, constantly chased;
Owe 500,000, and the bank treats you like a VIP, afraid you'll run into trouble;
Owe 5 million, and you're a "strategic partner" of the bank.