Why does any question about debt seem to bring out almost religious ferver among some people? For instance, someone asks about getting out from under an upside down car, and before we know it, their character and perhaps even their ancestry is being questioned. Someone asks about withdrawing money from a IRA, and before you know it, they have the same type of replies making all sorts of value judgments. All either poster asked for was someone to interpret the mathematic question for them, but they get all this other baggage thrown at them instead.

What's up with that??

What's up with the "any debt is bad" attitude?

What's up with the "retirement accounts are sacred cows" attitude?

It's all simple math, why turn it into some philosophy question?