The vicious circle of borrowing money, and then having to pay it back with interest. Then another loan is applied for to keep one’s head above water. There are also people who live very far beyond their means, and then they simply cannot keep up with their financial obligations. Another reason is the high rate of unemployment. Sometimes there is only one person working in an entire household, who ends up having to look after everybody. Rising cost of living also definitely plays a role, as does substance abuse of some kind.