Yes, as Cath said, I wouldn't have taken on $165,000 debt. i would not have liked to feel trapped in a job. I would not like to be unable to move as life offers opportunities. That is my choice, mine alone. I am paranoid about debt. What I have is mine as much as it is possible for things to be. I don't insist that others need to understand that choice.

I would not query if someone chooses differently. EG - some at your age are taking on household mortgages at present to have a new house right now -$500,000 and more plus new car payments, basic living expenses and daycare costs. They want it all now! Others are making modest home choices, keeping cars for years and living on a strict budget as DH and I did.
Their choice, their consequences and none of my business.

That said, I don't think anyone is giving you a hard time as much as you keep raising it and explaining it in so many of your posts. Just let it go. Your choice, your consequences, your business.

Rationalize - 1. attempt to explain or justify (behaviour or an attitude) with logical reasons,