A systemic (political, not free-market) policy of inflation encourages people into debt by decreasing the cost of borrowing (minus the increase in risk-cost, which most people are bad at judging), and by squeezing people by decreasing their cost-of-life margin versus their earning power.
Not to mention politically motives to encourage debt, by incentivising things like mortgages, or creating educational debt systems, etc.
The very dollar itself is an instrument of debt, and it is self-perpetuating -- there has to be a way to pay off the interest on that debt that was the genesis block for that dollar, of course that's done by "printing" money (adding a zero on a digital ledger), which creates inflation, which encourages people into debt, which requires more money to be printed, which requires interest to be paid off on that dollar, which...
