Seriously, just stop wanting what other people have, that's really all there is to it.
And what happens next week, when the health insurance people jump on the bandwagon? Shall we also not worry about not being able to get healthcare at affordable prices because a disproportionate number of our Facebook friends smoke/drink/sleep around/enjoy high risk sports? After all, you could just die instead of getting treatment, right?
The fact is, modern society often works on the assumption that people can get credit under reasonable conditions. If you want to take a principled stand that credit is unnecessary then you should advocate prohibiting giving credit on commercial terms at all. Of course, if you do it to everyone equally then you'll have to accept the resulting economic collapse as your nation's house prices drop by 75% overnight and a large, useful, skilled section of the labour market becomes mostly unemployable.
Or we could do the sensible thing, by allowing commercial credit arrangements but regulating them to prevent lenders from abusing their disproportionate power such that some borrowers suffer unfairly. As with any other essential industry that gets regulated, the price of playing the game becomes having to play by fair rules.