You might want to empathize a bit more. Most debt is racked up because those medical bills you mention are legitimate, but can't be covered due to lack of insurance.
The other way is to make a purchase and then lose your job, at which point you can no longer sell your purchase and no longer sustain the payments.
It's a good reminder to write less pointedly, though. If you have any tips on writing style or favorite authors, I'd love to hear them.