Mostly, because of lack of investing knowledge, their rate of investing is high and without studying the market they fall into lost and also a debitor
Debt for investing is something I completely stand against.
If you dont have the money to put at stake, you should not be investing or trading. That money should come from your income and if your income is zero, avoid taking such risks. Speculative markets always carry risk even if the percentage is small, one wrong movement and it could become a mess.
Getting the income set up is thus always the first thing. Once that becomes stable, get the capital in every month and start investing.