Not that I disagree with anything you've said (in most of your posts, not just this one), but do you think that when he said he'd pay those off in cash, he had the same 'big plans' that he has now?
I've wondered if he didn't/isn't using the capital in better ways (at least in his opinion).
Just me thinking out loud...only Henry really knows, and so far, he ain't talking about it. As with everyone else, I hope that changes soon. $PHIL