I'd venture to say going into debt by taking out a loan for a house is TOTALLY different than having debt because you spend too much on what you cannot afford. It's obvious that 95% of the population pretty much anywhere cannot pay for a house in full, cash or however it may be, but when you go out and buy things just for the heck of it or because you can, and you don't have the money for it? Stupid. Sure credit cards are a good thing, but only if you use them appropriately, and only spend what you know you can pay off right away, or else it will start piling up.
This is just my opinion, and what my dad has taught me on how to control my spending and learning to save.