"Borrow" is a historical analysis of American debt, exploring its evolution from a stigmatized practice to a ubiquitous aspect of daily life. The text traces the changing attitudes toward borrowing, examining its role in various economic eras, including the post-war boom and the 2008 financial crisis. It details the development of different financial instruments, such as balloon mortgages and mortgage-backed securities, and their impact on both borrowers and lenders. The author also discusses the role of government policies, such as the creation of the FHA, in shaping the American debt landscape and the consequences of both responsible and irresponsible borrowing. Finally, the book proposes solutions to address the issues stemming from excessive consumer debt.