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There is $40T outstanding. Not paid back. Believe what you want.

Literally every country, corporation and private citizen has debt on their balance sheet at all times.

Definitely not every citizen. Close to 1/4 of US citizens are completely debt free.

Does that include mortgage/car leasing?

yes

If you don't have a credit card, why?

I have a credit card but no balance due ever on it. 1/4 of americans do not have any debt, no card debt, no mortgage, no car loans…