No, credit is usually not a good thing, most of the time, because it allows people to live beyond their means. People should not spend more than they make. If they pay their credit card bill off each month that is a convenience loan that is not a problem, but most of the time this does not happen. Credit lets people be irresponsible.
I see no reason for this to exist. Why the heck do we even need credit to buy a home and car. I see no point. What the heck is the point of paying bills and whatnot. Whatever happened to pay for your thing and it's your's? Also I find people who take office clerk jobs to be depriving themselves of real fun in the business world. As most cleric jobs are in credit cards and whatnot. I think it's stupid.