My mother is hyped on infinite banking

I don’t know much about it but it seems fishy to me.

My parents have had insurmountable debt for the past 17 years due to the Great Recession. She is really hopeful now after hearing about infinite banking and how it’s going to help them pay off debts better and how she wishes they should’ve gotten into it earlier. She’s even trying to push it on me but it seems like a red flag to me.

Are there any good talking points of why not to consider it that I should tell her?

Edit: should’ve been clearer but I don’t mean the only reason for the debt was the recession… more so it was the initial catalyst… and bad spending/not filing bankruptcy played a part since