The $1,000 available on the CC is not debt either, so the person does not currently have -$1,800. If the information we have is that the person has an $800 overdraft and a $1,000 line of credit that they’re not using, they’re $800 in debt, not $1,800.

I don’t think living on credit is the norm even in countries that use a credit card regularly. The limit on my card is fairly high, but if I don’t pay it off every month my provider gets pissy.

I have credit cards in Eastern Europe for 25 years, so CC is not a rare term. I also never lived on credit, I used it just for transactions during the month fully covered at the end of month with zero interest. I did that because security and refunds used to be better for credit vs debit cards (with CC, it was the bank's money, so they were more interested to solve problems). When condition equalized, I closed all CC.