Financing your swimming pool

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I don't remember if the book was mostly tables or not. However, the principles are what interested me. Whether interest rates or 5% or 10%, the borrower is still paying to borrow. The less a person has to pay to use money, the better off he or she will be. Especially, if the money is used for non- necessities. Unless, of course, they are so wealthy that they need tax deductions related to operating a business. I am speaking of the average individual that has to borrow to pay for basic needs, when I discuss the benefits of not paying interest.
On the other hand, if someone was disciplined enough to remain in the stock market, and consistently make the right choices, over a period of 30 years or so that individual should gain maybe 8 to 10%. However, few people with 2 or 3 mortgages, car payments, and/or other revolving charge accounts,have the discipline to commit to routine deposits into investments, nor do they have the knowledge to make the correct choices. Many times they are so indebted that they don't have the spare funds in their budgets each month to make routine investments. In most cases, people are better able to invest when they are less indebted.
Financially speaking, for the average to upper middle income earner, in most cases, the less paid in interest the better. Yes, everyone's situation is different, but basic finanical principles remain. People have different priorities and different reasons for their actions. If a person's purchase that is financed, is escalating in value so quickly that their equity will surp*** the costs of interest, then paying interest may well be desired. However, pools don't usually appreciate in value.