Therefore, it seems advisable to consider the subject by looking into its depths.
To most people debt is terrifying.

To some it means nothing--and thus we have individual temperament as an angle from which to consider.

Living beyond our ability to pay means going into debt via the shortest route.
Getting out of debt means a revision of our code to the extent of ceasing to live beyond our means and saving something with which to pay off what we owe.

Some men can do this successfully--others fail while seemingly trying their best to succeed--and still others do nothing to stem the tide.

With these it is a matter of how the tide serves.