Getting into debt

Out of interest I joined a Facebook group called " Beat The Bailiffs " . It offers help and support to people in money difficulties . Some of these people are thousands in debt with little hope of paying it off . I can see how someone can get into this situation through illness job loss splitting up etc. but it worries me that so few seem to want to clear their debts. They are advised to claim it was irresponsible lending and blame the lender for giving them money. I have been lucky that we have never had to worry about debt but sure worried about money at times . This is not just poor people but people like the Middletons whose company lost thousands for those who supplied goods to their company and Jamie Oliver whose Jamie's Italian went bust . Would you feel you had to somehow clear your own debts ?