"Health" of a system isn't synonymous with debt. It's what happens when debt isn't respected and becomes bad. Debt is a tool; health is a state. If you carry si

"Health" of a system isn't synonymous with debt. It's what happens when debt isn't respected and becomes bad. Debt is a tool; health is a state. If you carry six months of salary as credit card debt,a financial advisor isn't going to talk about how you're using debt as a tool, they're going to talk about your "financial health".