A mortgage and car loan is credit (borrow money). Overall it's a net good for consuners IMO because I can't afford to buy a house cash and rates are artificially low for mortgages bc most are guaranteed by Fannie Freddie. Even private mortgages are competitive. You can borrow money for 30 years, non recourse, no prepayment penalty and get 4:1 leverage and the rate you pay is a few points higher than the government pays? Insanely good value.

What credit do insurance companies provide? You pay them and they pay the doctor based on some negotiated rate. They don't front you the money and you have to pay them back.

What are you talking about?