Hah! I like you, Dollar D.
I agree; I'd take it at 5%, and likely even higher.
I left it purposefully low to illustrate my point and hopefully avoid arguments from the anti-debt (any debt) crowd.
I'm hardly a broad representative from the anti-debt crowd, but I figured I'd chime in. Personally, I despise debt in my personal life, view it as a stumbling block for my wife and myself, and as most commonly practiced currently a form of modern enslavement with the general public... but it's a very contextual and specific opinion with exceptions.
Debt itself is not bad so long as you have the assets available to cover that debt at short notice if something were to go sideways (fairly priced real-estate valued higher than the outstanding debt at short sale prices for example), and debt is not bad so long as carrying that debt does not incur a greater financial burden than it resolves long term. Certain forms of debt in the right hands can also be a powerful wealth building tool so long as it is used responsibly and you can cover that cost.
Where debt is evil and cloying and enslaving is when you allow your debt to exceed your total net worth, and so long as you're upside down in that manner, no debt in my book is good debt. Unfortunately, that is the most common form of debt in this country and one of the greatest causes of the overwhelming financial stupidity sweeping through the first world. One should never loan money that they cannot afford to lose, just as no-one should borrow money they cannot afford and/or be willing to pay back.
Myself, I don't have a problem with the concept itself, but the practitioners and holders of the keys to financial lending in this country have left such an unsavory flavor in my mouth the past decade that I'd just as soon do without, but that's my personal opinion and cross to bear in that it's depriving
myself of opportunities that I might otherwise have, and I don't begrudge others who do so rationally and responsibly. So if you got the chips to cover that bet if your hand is called and/or the stones to stand behind and deliver every last penny no matter how long it takes, go for it. Otherwise, don't begrudge me for holding the opinion that it's an irresponsible, unnecessary risk.