Lots of people borrow to their credit limit and rely on the repo man to provide them with motivation.
Think about why they do that. Does the base inflationary system encourage savings, or borrowing? Would a base
deflationary system encourage savings, or borrowing?
Step back from ideology a second.
Is going to work fun compared to lying in bed watching TV? For the vast majority, no.
What's the rational thing to do? Lie in bed and idle as long as possible.
What's to stop you idling forever? Your credit limit.
No social system will change the fact that most jobs suck. Therefore, no social system will change the need for credit.