You are right. Debts should only arise due to some economic factors beyond our control and should not be seen as a motivating factor to work hard, working so hard just to clear up debts is not in anyway a progress made. People can actually do well without neccessarily going into debts, although it requires some high level of discipline and self control to be able to live within one's means, stick to budgets, save and endure too just to avoid getting into debts.
Debts no doubt can be very useful, but deliberately abusing the privilege can also be very disastrous. People just need to try as much as possible to within their means, invest in viable projects and only seek for borrowed funds when neccessary.
That's the importance of managing our finances, we have to be able to control ourselves in terms of expenses and income, try to earn more income than expenses, that way we don't have to look for loans or borrow money from other people for our needs, therefore we have to try as hard as we can. to earn sufficient income for the needs of ourselves and our families.
The emergence of debt is caused by our own excessive prestige, which gives rise to the thought of being in debt to other people in order to fulfill our own needs, it is better to style according to the contents of our wallet, do not force our will if that is what we can afford, be grateful, don't let us appear rich to other people, even though it's all the result of debt.