> Not very responsible, in my opinion, and certainly not a good lesson to pass on to your kids (along with your debt, because guess where that's going when you die, since you've decided not to pay it off?).

What? Loans don't pass to kids at death, that's absurd. They stay with the estate. If the estate doesn't have enough funds to cover the debt, tough shit for the lender. Though there are lenders who try to con kids into taking over their parents debt obligations. There is a special place in hell for them.