Very simple. Statistically, around 85% of working Americans have a car payment, big mortgage, and loads of other debt such as credit cards or school loans. Then of course there's the details behind these loans, such as over half of Americans s---ered in for a 6+ year loan car loan and paid 50% more than that car would've cost in 2009.
So, let's call it ugly, stupid debt that's now catching up to tens of millions, when they do things like go to trade in their car and discover the meaning of the term "Negative equity" or get a letter from the government telling them their school loan is now in the hands of Goldman Sachs. LOL!
Stress OP, stress, due to their own stupid decisions.