Why So Many People In Norht America Have Dept (Sam)

In my opinion, that so many people in north America have depts , because many serious
reasons that force them have depts . First of all, I imagine that this problem is relating to the high cost of living . For example, the cost of water in my country costs around a quarter and in canada is around 1.75$ , so that is the reason I think that there are hug differences with the cost of living . Secondly, there are in north America more places for entertainments than other countries in the whole world . For instance , there are many casinos in canada , so that is why some people have many depts .Morover, we shall dont forget that it depend's on the person's personality , like some people like to spend more that other people like to spend.