"Others think that credit is just a scam ... which is absurd" I understand that companies probably can't leave without it but I as an individual never took any

"Others think that credit is just a scam ... which is absurd" I understand that companies probably can't leave without it but I as an individual never took any loans in my entire life and not planning to get one. I don't like the idea and I see as it can get peoples life miserable, you constantly see people whining about paying the mortgage and credits even here because they basically chose, thanks to loans, the lifestyle they can't afford and because of how the whole thing works they can't easily get out of it.