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.
There is nothing bad about debt entered into with informed willingness. The problem is with a pandering government that makes obligations upon you and your heirs in which you had no say so whatsoever.
This is a philosophical discussion about eh value and merit of borrowing and the needed ensuing effort to retire the debt through WORK and EFFORT and determination.
Letting a politician create debt for you to pay is insanity. He is NEVER responsible.