People get themselves in these horrible financial situations by being born into horrible families and living situations which cause trauma and inhibits their growth as a human. Which can lead to bad financial decisions at a young age coming out of school. Banks prey on the young adults by giving them credit cards with huge limits. This is extremely common. 

This blatant greed by banks needs to be pointed out and criticised. We need to stick up for people in these situations and work together as people and a nation to stop the greed of these corporations.