> Don’t you think it’s bad for a society to have a system that encourages people to get loans? It's more nuanced than that. It encourages people to get a line

> Don’t you think it’s bad for a society to have a system that encourages people to get loans? It's more nuanced than that. It encourages people to get a line of credit and demonstrate that they can be responsible with it. There's no need to actually be in debt, and this doesn't help your credit score. In the UK, I can build an excellent credit history by having credit cards, but paying them off within the month, incurring no interest whatsoever.