

A lot of non-graphical utilities — basically the *NIX coreutils, plus stuff like rsync, ssh, compression/archival tools (tar, gzip, bzip2, etc.), grep, and the like. Git also comes to mind.
I think part of this is that the UNIX philosophy is “developer friendly” — tell a good dev they need to make a compression utility that follows this protocol, and they will make a compression utility that follows the protocol.
CC “debt” that’s paid off in full every month is debt in the same sense that eating at a typical restaurant puts you in debt.
Don’t get me wrong, unmanageable CC debt is a real thing, but that’s not what we’re talking about.