People have debt usually because they're either uneducated about the credit system, or they just don't give a shit. It's easy to not go into debt.

Don't buy what you can't afford. Don't put things on credit that you can't pay off. Get a job. There. Problems solved. I have no sympathy for people that take out second mortgages to fund European vacations or sports endeavors or plastic surgery.

Even in the case of mounting hospital bills... I had a huge one last year, even after health insurance paid the majority of it. They were very understanding about letting me pay it off in monthly installments. 5 months later... no debt.

Why blame the government when it can easily be traced back to stupidity on the part of human beings... once again.