Debt can definitely be a trap.
I use debt to buy inventory to resell, because I can't afford $5K (or whatever) out of pocket to buy that inventory. So I use other people's money to acquire something to sell at a profit, so I ran repay the debt and have money left over to live on. But I'm self-employed and don't GET a paycheck, otherwise.
I would probably use debt to move. We own our home outright, and when we end up moving to a smaller place, we would likely take out a home equity loan to buy (and move into) the smaller place with cash, then clean up/fix up the old place and sell it, and pay off the loan and invest the overage.
But I also recognize that's not how most people use debt.
Debt has its place! Apparently, those are "good debts"... such as mortgages and the like.
Most people use revolving debt because they simply live beyond their means.
Thank you for your comment, @curatorcat.leo .
!PIZZA