It enslaves people to its will and hinders them from following God's plan for their lives. Things you should never borrow for include food, clothes, trips, personal items that are non-necessities such as jewelry, accessories, CDs, etc. Things that provide greater return include homes, education, starting a business, or purchasing rental property. Debt disciplines you for saving and investing. If you can be disciplined enough to pay bills, then you can be disciplined enough to pay yourself.
Savings is the one bill that almost everyone is delinquent in paying.
Purchase book at CBD checking account, have that same amount automatically drafted into your savings account once bills are paid off. Debt has now switched roles from master to servant. When you save consistently, you allow your money to work as hard for you as you work for it. Use your debt to establish a good name. Your credit report is the means of determining your integrity in the financial world.