The Pyschology of Debt

hooters

We can all see why we are in debt, do we all see what created that pysche?
We can understand debt, but can we understand why we are here through debt?

I can honestly think of at least 6 reasons I am in debt, some are from external forces and some are from my mentality. I can't change the external forces, they will always be present in capitalism, I can change the internal reasoning though, slowly but surely.

Debt is created from a need, break that need down into simple pieces, what do you need? and why do you need it?
take each need one at a time and deal with it, find an alternative solution for that need. There may be no alternative, but at least you have addressed that need.
When that need is identfied and there is no solution, there is always a direction that need can go without you having to feed it - it could be finding another direction, evolving that need into something that will eventually devoure itself and thus the need becomes un-needed.