I understand from your POV people are distorting the truth. Okay, facts, if that's what you wish I'm happy to oblige. In the U.S.:

Average credit card debt: $15,270
Average mortgage debt: $149,925
Average student loan debt: $32,258

Total nonbusiness bankruptcy filings in 2012: 1.18 million
Total business bankruptcy filings in 2012: 40,075

If that's not people getting things they can't yet afford I don't know how else I can possibly convince you.