Yes. I’d guess so. I’ve always lived by the credo “don’t spend it if you don’t have it”. “Having it” means what you bring in each ‘payday’ vs what you have to spend in my book. This isn’t the case now by a long shot.
That’s fine to live your life that way, to not incur debt.
However think about who hires you. Entrepreneurs often borrow money to start their life’s dream. It’s credit (debt) that really powers our economy - that and risk takers. You and I wouldn’t have a job if it wasn’t for that.
So debt is not always bad.