they perpetuate the idea that any severe debt someone might be in is always the fault of the individual Irresponsibility -> debt is just one of the multiple mo

they perpetuate the idea that any severe debt someone might be in is always the fault of the individual Irresponsibility -> debt is just one of the multiple motivations for the fictional contestants. Others include medical costs for family members, being impoverished by someone else's bad actions, being threatened for a debt incurred by someone else, and so on. You're arguing against a simplistic and inaccurate summary of the story by generalizing from the main character.