Only a fool thinks the ability to get a loan is equivalent to living within one’s means
The United States is not a person and you can't translate folk economics from your kitchen table to the nation.
That's what everyone says until the government defaults on its debt. The US is a special case because of our unique situation as the military superpower and reserve currency, but look at Argentina, Venezuela, and the UK for a counterpoint.
How do you imagine the US can default on its debt? It borrows in its own money.
If you want to moralise, that's your trip, but borrowing power is an objective measure of your financial health.
I dunno, if you were willing to issue me unlimited borrowing i'm not sure i would care about repayment.