Get another loan. If you're rich your assets are growing and so refinancing an existing loan with a larger one gives you more cash to spend and to perform perfunctory maintenance on the loan until it's time for an even bigger loan.
Dying in debt to your trust fund just means the trust fund can write off a large loss before estate taxes.
And how do you pay back that loan?
> You could use an unrealized loss over there to balance out the cash you're taking in from a gain over there.
So can everyone.
> If you play that game long enough, your descendants will get a cost basis step up.
That's a strong argument for reforming estate taxation.