>And presumably, because you'd been fortunate enough not to have an illness that depleted your savings.
>
>Actually, your assumption is incorrect. Back in my mid-thirties I did have an injury that totally wiped me out. IMO, The only reason that I was able to recover financially was that I had never lived beyond my means and gotten into debt.

Currently being given credit borders on achieving right status.
In a few years it will be a duty to spend and be indebted.