I’m well aware that that’s true if you’re financially responsible and educated in investment.

Educated in investment? Even a regular savings account will net you some return on a million dollars.

You can also be financially irresponsible in every other aspect of your life and just plunk the million dollars into a savings account and take the free money.

Also in the real world people don’t hand out 0% interest loans without strings very often?

Of course, it's a hypothetical which is why it makes his answer as stupid as it is. He's too absolute on debt and that makes him a clown, and that's coming from someone like myself who paid off a mortgage with a ~4% interest rate in 3 years.