Debt is something of a strange topic for Americans.
For all but the most well-capitalized early in life, the ability to borrow funds is critical — at least if one wants to get a college degree, own a car or a buy house.
When used wisely, tools that provide consumers access to funds today to pay for things “over time” plays an important role in a consumer’s financial reality — not to mention fund more than their fair share of startups. The world would be Google-less without Sergey and Larry maxxing out their credit cards to buy more space on servers.