Doing either of these will cause long term issues with repair and / or safety concerns, especially if you don't realize you've stripped the threads. (mechanics.stackexchange.com)
As I plan to invest for the next twenty to thirty years I'm willing to risk potential short term issues for long term slow growth and yield. (divhut.com)
If you've had a long term issue with managing your debt, look into credit counseling programs. (valuepenguin.com)