[delta7]

We need to move away from consumer credit.

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Credit = Debt.

America is the world’s largest debtor nation in history.

[TexasGator]

“Credit = Debt.”

You need to reprogram Socrates.

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1.
the ability of a customer to obtain goods or services before payment, based on the trust that payment will be made in the future.
“I’ve got unlimited credit”
Similar:
financial standing
financial status
solvency

2.
an entry recording a sum received, listed on the right-hand side or column of an account.
“the columns should be added across and down and the total debits should equal the total credits”

https://www.google.com/search?q=def+credit