It's categorically ridiculous how the credit system in good ol' 'Murica is based on you getting into debt so you can be deemed "trustworthy" by the banks.
It's even more "funny" if you think it's the very opposite of how old fashioned bank managers used to judge people's creditworthiness in order to decide if they should get a loan or not, back in the day (and not even that much back: algorithmic loan decisions only became a thing in the late 80s and 90s.).