“I have no debt”
Sorry, but you have about 15 Trillion worth not including your local debt.
Were all in the same boat. It sucks to be responsible in your own life and have others load this debt misery onto us...
Well, there are few penalties for not being responsible. The government ensures everyone has enough to get by - not much, but then most irresponsible people have very low expectations anyway. OTOH all you get from being responsible is an IRS agent taking more of it away.