There's a lot of variability of debt tolerance. I have a friend that makes good money and has low expenses but carries a credit card balance because he views it as part of his next worth (by some logic). I've had friends who make little money who carry a credit card balance for high time preference purchases mostly. I know smart bitcoiners who willfully destroyed their credit history to buy bitcoin and dgaf about their credit history.
Debt is a tool and some of us are more comfortable with it than others. Curious how stackers relate/think about debt.
There's a judicial system to back it up too.