The debt bubble is obvious to all, it will burst one way or another in the generations to come. If you are younger, it is not as painful. But if this is your retirement nest, then one has to consider if you want to bet in your last dollar following the recommendation to keep as little cash.
Stalling efforts can only hurt the finances in the long term. It is better to face the little growing pain than to be met by the snowballing storm down the road.