If you have lived your entire life without any debt then either you make incredibly more than most people so you can buy everything outright, or you are living a very spartan existence where don't own much and will never own a house, for instance.

If it's just that you currently don't have debt because you've paid off your student loans and your mortgage, then congrats I guess?

We are living in a silly debt fueled age where many people can't even afford to go into debt for a house these days. But banks are happy to give them credit for consumer shit like phones.