Other countries provide subsidized health care.
Medical bills are a leading cause of bankruptcy in the US. We finance our health care with credit.

Other countries subsidize higher education.
We have student loans, so young adults start their working life already in the hole

Other countries have subsidized public transit.
We have automobile loans.

Other countries have effective retirement systems, and public programs to cover periods of unemployment effectively.
We borrow to cover grocery expenses when we lose our jobs, and buy homes via mortgages to ensure our financial well-being in old age.