In the past I used to wonder how and why billionaires say they need to borrow money and have negative money and crap.

Then I realized the way how things work is they take some of their stock, use it as collateral for a large loan from a bank, live off that loan, and never pay it back, since they get stock and not cash from their company, they just repeat the process. The bank obviously now has valuable stock and are happy with it, so the banks gets paid back and continues to loan even if their billionaire debtors are technically deadbeats.