If you have lived your entire life without any debt then either you make incredibly more than most people so you can buy everything outright, or you are living

If you have lived your entire life without any debt then either you make incredibly more than most people so you can buy everything outright, or you are living a very spartan existence where don't own much and will never own a house, for instance. If it's just that you currently don't have debt because you've paid off your student loans and your mortgage, then congrats I guess? We are living in a silly debt fueled age where many people can't even afford to go into debt for a house these days. But banks are happy to give them credit for consumer shit like phones.