You need to borrow money for everything !

America is a country of borrowers. As the public services are so poor, if you want a good health insurance, a good education, to be part of the mass consumption society, you may meet often your bank to ask for loans.
A lot of students right now know that they will have to pay off their student loans right after finiding their first job for many years. It can be very stressful, what if you are unemployed, if you don't earn the wage you thought ? It will be the same to buy a car or a house.
Even in retail stores, they ask you when you pay with your card : "is it debit or credit ?". You can purchase your everyday food by choosing credit, after you'll have to pay the interest rate but right now you can have what you want.
You can take a loan to pay off some expensive health bills, as we know, it can be very expensive...