Give Middle class the Dream of wealth by giving them credit loans... So the option to borrow from future... All good all happy 
Loan = good = happy is a terrible equation. The truth is more like loan = evil = sad.
As a matter of fact, loans are more or less a trap. Banks and other lending entities have been playing the role of loan sharks in the past decades. They've made enormous amounts of money out of borrowers. They've acquired assets from those who defaulted.
Middle income families are better off avoiding loans. I've personally witnessed families who are trapped in debts that they end up paying them all throughout their lives.
The bank as the bogeyman is a tired cliche. Nobody forces anyone to take a loan. The reason consumers do it is because it's a benefit to them to do so. You could wait 20 years until you have enough money to buy a house without debt, or you could buy it now and pay it off over 30 years while living in it instead of paying rent to someone else that doesn't build your own equity in the property. All loans aren't bad, it's lazy and wrong to present them as such.
All loans aren't bad, I agree. But I don't agree that nobody forces anyone to take a loan. You are not physically forced to take a loan, of course. Nobody is pulling you out of your house and forcibly bring you to the bank to take a loan. But if you take a look at most people's circumstances, their dreams of a better life are seemingly attached to loans.
As you've pointed out, you need to take a loan if you want to build a roof over your head, that is, if you don't want to wait for decades to be able to build one yourself. People take loans to be able to send their children to college. People take loans to buy a car. People take loans to start a little business. Hell, in my country, which mirrors the situation in most countries in the world, people even take loans to be able to buy a television set.