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Just because the country of America has debt, does not mean the individual citizen has to have debt. It is easy not to have debt - all you have to do is spend less than you earn. Many people want to buy more things than the money they have in their pocket. Let's say you have $4,000, but you want to buy a product for $10,000 - you will have to get a credit card, credit line, bank/institution loans, friend loans or other debts. A mortgage is the biggest loan, isn't it? A house is the biggest expenditure, isn't it? If you buy a cheap place to live, you would have less loans. To be inside or near an excellent beautiful house has some value. Sometimes you can go into the house for free, such as to visit a shop in the daytime. If you want to stay overnight at a house - usually it will be costly. I think nighttime spent at a house is valued more than daytime spent at a house. Night clubs - time spent at a night club at night can be valuable and fun - usually there is some cost to go inside. However, if you work at a night club you can be paid to be there instead of paying to be there. The good thing about a job is that it has other benefits instead of just a salary. For example, if you really like beautiful houses and structures - imagine working in a castle for some royalty or something like that. Anyway, debt is a problem. I think the point in time when someone becomes debt-free can be a celebration point.
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