u/BoyishCharm_

I know that debt is borrowed against your building's cash reserves, but from what I understand those cash reserves only pay when you declare bankruptcy.

I also know that, when debt is paid back, it goes toward pops with ownership shares.

But when I take on debt, where does it come from? Are there pops or buildings which lose money when I take on debt? Or does it come out of thin air?

If it does come out of thin air, does that mean it's always optimal to run a little bit of debt (even at high interest), because you're funneling free money to your pops?