Sure, but credit costs a lot more than savings that get some interest and is thus portected against inflation. When you go to your bank to get a loan, the banker looks at your overall financial situation and particularly your savings because they are the guarantee that:

1- you know how to manage your financial situation;

2- you have some reserve to face the necessity to pay back in an emergency or to face an emergencu expense that you did not foresee.

3- you know that living without any reserve or savings is the best solution for getting bankrupt one day for any reason whatsoever.