We live in an age of irresponsibility.
It appears that no one seems to take the blame when things go wrong, and everyone feels entitled to something.
Life costs money. We have to pay for living arrangements, food, insurance and, of course, taxes. A paycheck of “X” dollars can only go so far. So, when you add debt into the equation, “X” is worth even less.
Some people take out loans to help pay for these things while in college.