If we are talking about macro-economics and how debt is used and abused systemically, then there are a lot of problems and abuses that can unjustly enrich, exploit and cause a variety of irrational and non-democratic outcomes.

On the other hand, as individuals we cannot necessarily change a lot of these systematic matters, and we can attempt to find ways to utilize debt to our advantage, and to leverage into better situations that may not be possible without taking on the debt that may also be based on our own building of credit.

Some of these tools are certainly going to remain in play especially in the short term no matter how popular bitcoin becomes - we cannot really uninvent various legacy systems, even though with the passage of time these legacy systems are going to be forced into some adapting, and the timeline for such depends upon how rapidly bitcoin is able to spread (and any other similarly situated decentralized currency that may come into being in the coming years).