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It is very interesting for me to read these reviews, because these surprised me. To be honest, I never thought that you in the US thought about money this way. For example, we put this much more simple way:
You are in debt if your net worth is negative, because then you are not a free person. However, if you only have to pay the interest and this does not disturb your lifestyle at all, then you have no debt, but credit. I'm sorry, I know we use these terms a bit different as you do, but I try to explain this in a different way:
To maintain a debit's costs is nothing more then to maintain your assets' or your home's costs, and so on. It's simply some money you have to pay from your income, like you do this for the insurances, loans and so on.
In short, if you can live your life free, than you have no debt. If the debt's interest hurts your lifestyle, than you have a debt.
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