> In non insane countries, you are considered debt-free when you have no credit, not when you accumulate credits and pay them with one another. I'm not sure ho

> In non insane countries, you are considered debt-free when you have no credit, not when you accumulate credits and pay them with one another. I'm not sure how you think the American system works if you think that "debt-free" has any meaning other than "no balances or debts outstanding".