None of the behaviors you describe are social behaviors, they are financial behaviors. Social factors are why they have to add the word "social" to the term "cr

None of the behaviors you describe are social behaviors, they are financial behaviors. Social factors are why they have to add the word "social" to the term "credit score". Framing zero-debt as being a "responsible adult" and "living within your means" doesn't make sense as a counter-argument. It's not social as it doesn't involve other people. For eg, your credit score isn't affected by the social associations you have with other people (with maybe the exception of marriage because that combines non-social assets). Your credit score isn't affected by your social interactions with other people. For eg, sharing your anarchist views with other people or maybe a bank teller doesn't affect your score. It's also just untrue, leveraging zero-interest loans and loan perks like purchase protection can be very responsible and still living within your means.