Obviously it is not a generality. However a large number of people in severe debt and money management are there as a result of the reasons I highlighted. It i

Obviously it is not a generality. However a large number of people in severe debt and money management are there as a result of the reasons I highlighted. It is misdirection to list the example of "single, kids, illness" as proof of anything. Almost anyone can get ill and hit financial trouble; it is an unexpected and perfectly legitimate problem that can lead you to financial problems, especially if stacked on top of your current circumstances. Just a single mum with two kids? sure it's not going to be luxurious but I know plenty of people who manage and are perfectly happy. Then again, I also know plenty of single mums who waste money like water. I think such circumstances are often irrelevant to the families ability to get by. My argument is this; once you throw consumerism, poor money management and an inability to accept the unfairness into the mix it tips the balance in favour of "generally in debt".