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Living Within One's Means
Debt should not be the norm. If it became the norm, then something went very wrong. People were meant to live within their means, not borrow "from the future" or purchase things based on future (prospective, merely speculative) income.
This year is nearly over and British national deficit is still high. The net debt continued rising:
In a few hours Rianne and I will unwrap boxes. We assume that the gifts to unbox were at least partially acquired using debt. People try to keep up with societal expectations, so they pay interest on debt or pay mortgages on homes they'll likely never truly own (the banks own these).
We've never taken any loans and we live a modest life so that we can do what we love. We're not in social control media, so there's no peer pressure, either.
Holidays are about love and sharing, not purchasing and gifting. █