Is having 41% of adults in America in debt really worth "innovation" for the rest of the world? And what exactly is "rationing" - I bet almost every adult in A

Is having 41% of adults in America in debt really worth "innovation" for the rest of the world? And what exactly is "rationing" - I bet almost every adult in America knows someone (or is that someone) who has delayed going to the doctor/for a procedure (or just never got it entirely) because of how much it is going to cost? Doesn't the inability to even get the required care due to the cost really count as "rationing" in the system we already have?