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T206CollectorI agree with your "undeniable facts" that you can "get a lot more 'bang for your bucks' by buying in large quantities" and "you can get a lot more for your $$$$'s by buying un-graded cards."
You'll get little argument on these points.
But you posed those facts while (a) taking a swing at graded card collectors; and (b) suggesting we take out home loans/credit card debt to fund larger purchases.
You're likely to encounter more argument on these.
If you go the way of incurring debt, then it is very important to be not only disciplined in your resale pursuits, but also that you have accurately gauged the resale value of what you're buying. What you are prescribing is not without its risks.