Is credit for everyone?

Credits are so common nowadays that we should ask ourselves, if they are destined for everyone? The question is thoroughly current due to increasing number of people taking credits and bank loans. First of all, credits should be taken by people and institutions that have enough money (in the form of future earnings and incomes) to cover them. Therefore, first group that can easily take credits consists of huge global companies having regular global payments. Credits can be amongst them. Apart from global companies and their global payments, definitely credits can be taken by well-paid people. There are many of them in all countries (of course, in some there are more well-paid and in some there are less), so the entire business can go on. However, not only rich institutions and persons can take credits. Average-paid can afford them too, provided that the height of the credit does not exceed their predicted incomes, especially standard regular earnings. This can be sometimes difficult to balance, but there is such possibility.