Oh, I get that. That's exactly what happened to me. We were young, two small kids and even though we both worked, things were tight. We managed as long as things went well. But that rarely happened. Something would break, the kids need clothes, yadda, yadda, yadda. Unexpected expenses just came along and always at the wrong time.
Back then, credit cards were hard to get. There were long forms to fill out and they actually checked up on you. Many people got declined. I did get a MasterCard which I used sparingly. But then I managed to hit the mother load. I got a Sears credit card! You could get anything you needed at Sears! It saved my butt many times. But it also drowned me in credit card debt. The interest was outrageous! The day I finally paid it off was a huge celebration for me. I canceled the card and cut it up in little pieces with a huge smile on my face.
Now days they hand out credit cards to anybody and everybody. They don't care at all. Here, take it, no problem. Enjoy!
I can certainly understand how well meaning people can fall into the trap. I was one of them.
But I still believe that most people today did it to themselves. Financial responsibility seems to go right over many peoples heads now.