Perhaps the US vs. EU perspective is relevant here. Unless they come from a rich family, most US residents need to take out loans to pay for college. Similarly, most people also need financing for their cars, a mortgage for any real estate they might buy, and so on. If you start a business with a physical presence, you'll almost certainly need a loan to cover startup costs and acquire capital. Remember, I said "going into long-term debt and repaying it in a timely manner" is a sign of good character. These are all legitimate reasons to do that.
There are damn good reasons to have a credit card other than living beyond one's means. They're safer than debit cards for many situations (better fraud protection), and they offer decent incentives to people who can pay their bills on time every month. Here, again, they provide evidence of a person's ability to manage his/her money. People also lose their jobs, have unexpected medical bills, or go through messy divorces, and credit cards can be a lifesaver in those situations.
Obviously age is a factor and I wouldn't judge a 20-year-old by the same standards as a 40-year-old. But certainly if you reach middle adulthood (30-45) and have never had any of the experiences I describe above, I'd be suspicious and expect that either
(a) you were a Dale Gribble-esque figure with a paranoid, black-helicopters political ideology and a habit of pontificating about it, or
(b) you were unable to accept the idea that being an adult means owing debts to other people -- financial debts, professional obligations, personal relationships -- and sticking around, no matter what, to repay the people who trust and depend on you.
The perfect is the enemy of the good, as the famous aphorism says. People who try to be perfect -- who refuse to accept that life is complicated, and that you can't do anything worthwhile without making compromises and incurring debts -- are generally unambitious at best, and toxic at worst.