That is how everything is setup. We use debt for everything. "Saving" is only a savings if the saved money is growing (invested). If you put it under a mattress

That is how everything is setup. We use debt for everything. "Saving" is only a savings if the saved money is growing (invested). If you put it under a mattress inflation always eats it. Hoarding money is always punished/disincentivized by any modern government. They want you under pressure to invest or spend.