debt is a big problem, govs n many countries like Japan, US, most EU countries r a bad example with debt above 100% of GDP, govs policies n facilitating debt for citizens isn't meant to b n citizens' favor -rather it's n companies favor where u become n debt to have the money to buy their products- they don't care as long as they r getting money, it's an evil game that's made worse with ads which is a psychological game not easy to resist by most- that's what companies & countries behind it do, basic needs of citizens from public education, public healthcare to basic income, public housing should b met & hence debt won't b needed, 1 exception is loans for opening businesses that can return profits & even here strict rules, detailed plans, strict surveillance, the right persons n the right positions from the main managers & downward.