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I mean, it depends on what you mean by that. Anyone who has a credit card is going to have debt, just by virtue of needing to pay the bill.
But if you mean "most Americans have a negative net worth"
taking into account assets and debts
most Americans have a positive net worth.
https://www.kiplinger.com/retirement/average-net-worth-by-age-how-do-you-measure-up
I'd be interested to see the median net worth after removing the top 1%, but I can't be bothered to Google it atm ..
It'd have an effect, but not a large one
that's why one uses median, rather than mean.