Countries whose citizens depend heavily on credit are poor countires.

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Last night I met a guy through a friend of mine and he has this view that countries whose citizens depend heavily credit (credit cards) to survive are really poor countries and are vulnerable to the crisis such as we are now faced with globally. I think he has a point. Look at prosperous countries such as the US where many citizens who were once living comfortably are now facing treats of losing their homes and other possessions including bank accounts. I have always avoided taking out a credit card and just spend what I have wisely trying at all times to ensure that I stay debt free. I have been told that it is harder to live in the US, Canada or the Uk without using credit cards as well as the benefits of having a good credit rate. My friends and some family members in the States, UK and Canada usually speak about using their credit cards to get stuff or to pay bills and about maxing out a credit card. Granted they are not careless spenders and have done well but there are those persons who are always indebted. If the financial crisis found anyone with huge credit debts then it will no doubt leave them much poorer than they were before. What are your views? Would you say in hindsight that countries such as these are really poor countries because of the financial position of many its citizens in this crunch? I do not recall clearly but I do beleive that one of the past US presidents tried to promote agriculture and the ability of the US to feed itself as its true wealth. I would like to get some insightful comments on these points and not just emotional thoughts. I think my country is poorer for not paying more attention to our agricultural sector but opted to spend billions of dollars importing food stuff we could produce locally or do without all together and for not building key industries. Does the greed to be fed rather than to work to feed onesself (develop adequate food supply for the nation) not leave a country, family, individual more vulnerable to certain collapse?