A mortgage gets you a place to live with increasing amount of property ownership as time goes on. It isn’t at 25% interest for one evening. You never get the money back from going to a concert, you do get at least some back on a mortgage.

No, I don’t believe you should do it if it is going to make you struggle more long-term. At what point do we just agree a given amount of money you don’t have is stupid to spend. If someone spent $1,000+ that they can’t actually pay on a t swift concert at 25% interest, yeah, maybe you’d be in a better situation for 2y if you avoided that extra few hundred in interest for like 4y. Preventing my own struggle certainly better than a few hours of entertainment and hearing loss.

I do believe people should be paid enough to afford joys in life without struggling so much but that’s not the system we have.

I love how easily people are strawmanning this into something I didn’t say.

I mean even if the show had happened it sounds like you shouldn’t have spent money you didn’t have.