Personally I think that if you know how to manage all your expenses you won't get to the point where you don't know where else to get money from. A credit card is not a card you can use to buy all you want or need and never pay it back. I mean you must have money in your bank account, in order to use a credit card because you have to pay it back. If you don't have money then don't use a credit card, so you won't have any debts.
In the article, if the couple would have maneged and calculated all the charges they made, they may not be in this situation. A lot of people get into debt, because they don't calculate the costs of the items they buy. Most of the time, people keep using their credit cards, thinknig that they will pay it in a week or two, when they will be getting their checks, but they don't calculate other expenses they have, so that's how they probably end up with debt. If companies loan you money, ofcourse they charge you. And if you fail to pay it the first time, the charges build up and you will end up paying more with your credit card then if you have paid with your money.
The majority of American people are in debt. Since they are too busy paying off bills, they can't afford saving money. The rest of the people who are not in debt don't save moeny. This problem doesn't only face United States, but also Japan, Germany, Britain, France and Italy.
The saving rates is declining each year that passes by.
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