It depends on the persons capability there are two kind of debts the good and the bad for the bad debts people seeking an liabilities and just use those money for their luxuries things and does return a good profit at all just a casual spending of money for different reason because they are capable to pay off, just to flex to their friends and social media and personal use, in the other hand people doing a good debt which they are creating an additional assets that gives them more money and those created assets are the one who pay for their debt for the long run once they pay off the profit now comes.