I never took loans besides my one non federal student loan, man. I took two credit cards. Both I pay in full every month. Also I dont know if you understand how credit works, but its not the more loans you have the higher it is, its quite frankly the opposite. The less you need the loans, the better off you are, and thus the higher your credit score is. Another one is credit utilization, I took the credit card increase BECAUSE it meant I’d have much much better credit, cause literally the next month my score jumped 46 points. The lower your credit utilization is, and the more AVAILABLE credit you have, the higher the score. Plus now I have a 3k line of credit, that say I become unemployed or any other unfortunate event, I wont starve. And I know its better to have that in cash, but some of us dont make enough to make a slush fund, because I have a loan I have to pay 13% on. It makes more financial sense to pay that off then hold on to it.
I think your idea of what financial responsibility is, is off.