Sure it makes me judgmental, but I'm judgmental for this reason: I feel that American society has too much of a tendency to buy consumer trash that won't actually make them happy and freely gets in debt to do so rather than weighing pros and cons of purchase (immediate temporal happiness vs. long term debt and unhappiness down the road if mismanaged) vs. further growth and stability. Do you not think that society would be much healthier if the average person cut down their consumerish tendencies and got what they needed and a few things of convenience/toys rather than catering exclusively to how they feel at the cost of long term savings or stability? If you're so lacking in judgment, how do you feel about people who are 100k in consumer debt? 50k? 20k? Where do you draw the line, and what guidelines do you put in? If you still don't feel fit to pass some sort of judgment, then how do you feel about the fact that right now the average savings rate is negative, and the average household credit card debt (counting everyone, not just households with debt) is $8.3k as of late 2008? Do you deny that there is an irresponsible way to use credit? Do you believe that society as a whole can be healthy if society as a whole isn't saving in any stage in its life? That is why I judge.
Re: para 2: It does harm to society if you cannot support yourself at later points in your life because your behavior is that of rampant consumerism and show no signs of stopping. It sounds like you're not one of those, so I again don't understand why you're offended. If you want to borrow some money, cool. Just don't be in overall debt on borrowing unless it's a good reason. The guidelines that I put forward were only that. And sure, it may not be my business, but neither will it be my business to support you when you fail. Too bad American society has deemed that it is my business to support you if you fail, so it became in my interest (also known as my business) that you be responsible for thyself (which it sounds like you are!) instead of being a consumer whore and running up your debt expecting the rest of society to owe you a living. Try telling me that there aren't plenty of folks out there doing exactly that, while having exactly that attitude.
I would genuinely love to see the renting vs. owning argument and what percentage of the population it applies to in which portion of their life. I personally believe that owning is something that one should do as soon as its feasible in their lives if they're not in an insane area, and relocate if they can't afford to buy in an area (I escaped CA for this reason, and we can see how well the average person who bought a $400k house on my budget is doing now). I don't see how renting can be sustainable until you're dead while maintaining a lifestyle devoid of savings (because renting was a sign that you shouldn't carry overall debt, remember?).
If you don't ignore student debt, you can most certainly attempt to put a monetary value on it over the course of your life in expected earnings and add it to the balance sheet as a reverse loan (accrues money over time), adjusted for how you'll actually use it vs. what the statistics say (e.g. if you're flipping burgers your degree doesn't add anything to your salary). In an attempt to give the benefit of the doubt to most student debt, I figured that I would take its value for granted (as you have) and simply ignore it. Car debt is debt on a depreciating asset, and consumer debt often worthless. Consumer goods are generally something that you buy yourself after you have standing to responsibly buy them (you've saved/budgeted money for them over the course of a few months after your saving/bills). This is something that our society has forgotten in its quest to fill the void of unhappiness with temporal pleasures. Overall debt is wrong if you are accruing it for the wrong reasons. You should strive to save, so as to have a healthy lifestyle and as a consequence a healthy economy.
Regarding your new house (congratulations, by the way!) it sounds like you actually will be close to if not in the black on that transaction as you put forward $10k when you closed. If you're not quite in the black, that's still an example of debt for the right reason, and you'll be in the black shortly anyhow. Congratulations for seeming to have done everything right. Please stop being offended for people who are doing it all wrong.