why do so many people in north usa have excessive debt(Robin)

why do so many people in north usa have excessive debt(Robin) In my opinion, too many north american have excessive debt because USA was a developed country in the world. So social welfare also nearly the best in the world. Then people do not need to think how to keep alive. So when they got their wage, maybe they could buy everything what' they want. do everying what they like. For example, if someone who owns a casinos who will be rich in a very short time. Why? Not only rich man like to go to casinos the people who have free money they all can go there. But how were their result, spent all the money and borrow others' money then the fucking debt was coming.