I think you totally mis the point. It's not about education, it's about a system where you can't opt out of in US.
What is your credit score?
If you are from US, you probably know. If you are from somewhere else, you are probably staring at your screen saying "what???".
You can always choose to pay cash for everything you want, and eschew credit altogether, it's just so much harder to muster up the cash for big-ticket purchases like homes and automobiles that it's easier to game the system for credit building than it is to save for decades for a home to own.
It's not that you can't do it, but that trading potential future earnings for money now is so damned practical that it's hard to ignore.
What is your credit score? If you are from US, you probably know. If you are from somewhere else, you are probably staring at your screen saying "what???".
Shops giving out their own credit cards... crazy.