Yeah, to me it's just not worth the pressure.
Like for a home I'd have to mortgage reasonably since the rates are pretty decent now and there are some advantages due to the stimulus legislation for first time home buyers (I rent now and have never owned). Plus, a home has equity, hehe, which a car/boat/airplane/other-crap-people-finance doesn't.
If I ever had a larger business I could see myself having a line of credit or something for cashflow purposes, but, that's about it.
A lot of people though have no concerns with debt, it just scares me.
You notice what they are putting on credit card statements now? They must have passed some legislation that makes them say stuff like 'If you make the minimum payment it will take you X amount of years and cost you X dollars to pay this bill off." I think my AMEX if I didnt pay it off each month is like 22% interest lol, that's insane. I can't believe people rack up credit cards, it would be impossible to get yourself out of that debt!