The source for this is just intentionally misleading. This isn’t debt, it’s lifetime USAGE. If it’s being paid off monthly, like the image itself says then it’s no different than the typical net 30 businesses use to pay each other within 30 days.

The 1/3 of the population with a revolving balance are the problem since that is a debt they’re paying massive interest on. They don’t mention lifetime interest paid because that would not be such a massive number.