The consumer debt for those sorts of expenses only got normalized in the 70s, it wasn’t nearly as common then as it is today. Debt is the norm because both the debt itself is being incentivized (price controls) and those things are more expensive than they would be on a sound money standard. Which is obvious because the high prices are a result of the former, debt is literally newly created money, so it has massive upward pressure on prices. In other words, the reason everyone needs debt to pay for everyday things, is because debt drives up the prices of everyday things. Doesn’t at all mean it all goes away, credit is a fundamental part of economic activity. But it won’t be anywhere near the prevalence that it has today. Don’t even need to go very far back in history to see examples of a far less debt ridden society and how people pay for things.