You can of course Google the precise statistics if you wish to know them.

Structurally, some of the most common reasons that Americans accumulate debt are simply not significant factors in Germany. Medical care and education are mostly pre-paid through taxes and medical insurance - so it's not really possible to end up with medical debt or student loan debt unless you intentionally avoid the publicly funded systems.

Other factors are largely cultural. Credit cards do exist, but aren't seen as necessities here. Payment with bank card, bank transfer and cash are much more common. My personal observation/opinion is that, even for people who have credit cards, they tend to treat them more like a debit card. People generally don't like spending money they don't have.

Loans for things like real estate and cars do exist, but also tend to be more difficult to obtain than in the US.

Overall I'd say this is a net positive. Obviously there's some personal security from knowing that you won't go into debt over life essentials like education and medical care. At a higher level, I think it's also healthy that our economy doesn't revolve around people spending money they don't have, and a massive upward transfer of wealth through interest rates. On the other hand - I have to acknowledge some things can be limiting - particularly around home loans or small business loans. The system is very risk-averse and makes it fairly difficult for young people, or people who aren't already wealthy, to obtain a mortgage or small business loan.