You said: "No debt here and my credit score is great. You don’t have to be in debt to have a good credit score." Technically that's true but it leaves out the

You said: "No debt here and my credit score is great. You don’t have to be in debt to have a good credit score." Technically that's true but it leaves out the very major caveat that your credit score is not usable without accompanying credit history. What is credit history? Debt. It seems like you think it's OK for the system to force people to go into debt every month as long as they pay it off. What happens when one month they can't? They are then blamed for moral failing when probably they would have preferred to never use debt for regular payment in the first place.