Of course they want you to get into debt, thatís how they many money. Theyíre being slaughtered by low/negative interest rates, theyíd rather lend it to you.
Itís simply an algorithm, donít take it personally. Itís demonstrably not reckless, because they will have selected accounts that can provably handle it, thatís why you got the letter.
Is the availability of credit a good or a bad thing? Overall, itís a good thing. Leasing cars is all about credit. Some would argue that it has just given poor people the ability to have nice cars that they canít afford. The counterpoint is that it has allowed more people to drive a newer, better car - safer, better for the environment etc etc.