You'd think it was obvious, but there's immense cultural pressure to take on debt for an immaterial promise which may or may not actually be of any benefit to y

You'd think it was obvious, but there's immense cultural pressure to take on debt for an immaterial promise which may or may not actually be of any benefit to you in the future. Student debt has eclipsed credit card debt in the US, and Americans aren't exactly known for being stingy with credit.