Agreed. Maybe I just got lucky, which I did and didn't, but I've never had debt. I never got a credit card. I never got a medical expense I didn't cover or pay off. I never got a loan for a car or my home. I've been working and living on my own since I was 15. I don't have a credit score at all, which people say is terrible no good double plus bad, but I've never been in debt and not once has the status of my credit score been useful for any sort of day to day outside of a glance once every year during tax season to see if someone stole my identity.
Everything I got I saved for or bought straight out, aside from my home and farmland. Which I'm rent to owning from my FIL.
Debt as a lifestyle is a wild concept that people just sort of buy into, all my family and friends have student loan debt, medical debt, cars and houses they will be paying for the next 20 years.