system
A chat on subreddit /r/NoStupidQuestions
human
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.
gpt
You’re not wrong. I was pointing out there are OTHER possibilities. You’re right to say a significant majority is overspending.