In 1971 money became debt. Did this limit freedom instead of expanding opportunities?

The deeper question is:
How can societies benefit from credit and investment without allowing debt to become a permanent burden?
History repeatedly shows that banking systems can finance homes, businesses, and innovation
...but critics have also warned that unchecked financial power can concentrate wealth and deepen inequality.
And perhaps the lasting lesson is this:
The strength of an economy is not measured by how much debt people can accumulate
...but by whether financial systems create opportunity without trapping people in endless dependence.
Because money should be a tool that expands freedom...
...not a burden that quietly consumes it.