Well, I think I may have found an answer in a YouTube video that has a very interesting explanation. While I like the message, I do not necessarily like the language used to impart the message.
WARNING -- NSFW ...
Watch and Listen to "George Carlin - Why You Are In Debt"
On the other hand, if you do not fault THE MAN, then maybe you really oughta read 28 Ways to Waste Your Money; after all, when examining the reason(s) of why you are in debt, the fault may lay with you.