You can disagree all you like, but you absolutely are being obtuse and pedantic, as much as if I said "It’s important to highlight that borrowing a book from the library is debt."

Yes, literally, and technically, it is, but in reality, no one actually thinks of borrowing a book from the library in that way, because there is no interest accrued.

Paying your month's expenses all at once instead of one at a time, by using a credit card instead of cash and paying off the statement balance every month, is functionally identical to borrowing from a library, not to taking out an installment loan with an interest rate.