Times have changed, having debt was only allowed in the event of home or car purchases. All these cards offering credit, people spending way beyond their needs actually scares me.
Volatile situations keep your on your toes, makes one either dig in deep or get out fast. My gut feel about blockchain technology, is it holds for a better future in many circumstances, not all.
Good luck with all requirements in the home, somehow we scale the hurdles as they confront us, one by one!