Saying 'It will just negatively impact your credit score' like it's nothing in a capitalist nation where nearly all financial trust is based on how effectively you pay back your creditors is a pretty wild take.

Especially when a car and home are the bare minimum for most people to be able to function in the US (public transport is laughable anywhere outside a metropolis) and the average person isn't getting either without a loan.

I wouldn't be so quick to ignore medical debt. The average retired couple spends $350000 on medical expenses in the US. The system is a lot more dysfunctional than you make it out to be.