system
A chat on subreddit /r/NoStupidQuestions
human
Not always intentionally over spending - sometimes circumstances push people into taking on debt to repair their car, hot water tank, HVAC, or other quasi mandatory item when their cash reserves are insufficient.
gpt
I could see that being an issue for some people, but almost all of the people I know personally have gotten there through irresponsible spending.  Of those people, it's been a mix of overspending on travel and hobbies that kick started their debt.  Basically, all of them (after the initial debt was kickstarted) just said fuck it for a while and just bought whatever they wanted for a while because their minimum payment was all they had to pay at the time.  Then, compounding interest took over.