If you have savings you can just do things.
If you want debt, you have to get permission.
Discussion
I love just doing things
It's kind of the other way around. If you have savings, you have to get permission to debit over a certain daily amount, but you can run a credit card in excess of that amount with a single swipe.
When you borrow money you hand power over to someone else.
If you are in fiat , your savings is debt. You need permission.