Dean didn't BORROW $6 million dollars. It wasn't like they had the money and he just said "nah". Staying wise fiscally is part of the 50 State Strategy.
I don't see how wise it was to leave 20 House seats on the table. This 6th year of the incumbent's party was the best environment the Dems have had in a while to pick up seats, and Dean didn't maximize the opportunity. He sat on the money. He half-assed it. Rahm Emanual, Serpent Head, and other DLCers told Dean to put up the extra money for these 20 close races, and the Republicans just won in those districts by a point. Dean missed the opportunity.