Why are people in debt?
Our financial system is set up so that it promotes financial debts as a norm. Even though there are programs to reduce debt, the stronger forces/programs promote being in debt. Being in debt is an external expression of our internal energy state. Being enlightened is living in attunement with our source energy. Being in debt is an outward expression of being out of attunement. Being in debt becomes a problem when we move away from our balance point. Like a spinning top, a little wobble is okay, but increased wobble leads to the top crashing.
Solution: Seek your point of balance in each moment. Focus on maintaining your balance energetically, and as you attune to that, everything else in your life will also move into greater attunement. If you are currently way out of balance, start right now to move slowly towards your center. Here now awareness, focus and meditation are tools which will serve you well.