Here in the US, you can finance almost anything.

Need a new outfit for the weekend and don't have the cash? There's a credit card for that.

Even if you are not frivolous with your credit, you still need it to buy a home or even rent an apartment.

Part of the problem of getting too much credit is that it is readily available everywhere. In fact, every time I pay for an online purchase, I am offered a credit saying "buy now, pay six months from now" or something similar.