Now this is just my opinion.
I’m old-fashioned (read old!) and have lived in the States for 23 years. It seems to me that so many people in the USA live on credit and are happy to get loans to help them out. Sometimes, this can lead to a lot of trouble. But sometimes it doesn’t for the sensible folks. I won’t do it. To me, I don’t know what will happen in the future and am old enough to know that the unexpected can happen at any minute. I don’t want to rely on an imaginary future and I don’t have a crystal ball.
I’m old enough to have been brought up on the principle that if you can’t afford it, then save for it until you can. I have wonderful peace of mind knowing that at any given moment I might owe a little to the electricity company, for my iPhone, property tax, condo fees etc. but no car payments or mortgage OR loan repayments. (I’m lucky, I know, but I’ve worked towards that).
If loans on future and not guaranteed income suits your lifestyle then go for it. It just wouldn’t do for me. I’ve spent many years becoming debt-free and I’m so pleased that I can sleep at nights.
There’s no right and no wrong. Whatever suits your own lifestyle.