Keeping debt under control is a bit like keeping yourself healthy. Many otherwise sensible people don’t seek professional advice until something starts hurting.
All of us are being offered credit all the time, like children being offered an unlimited supply of sweets. Sweets taste nice at the time, but too many can lead to uncomfortable sessions in the dentist’s chair. Credit is the same: it may seem a good idea at the time, but too much at the wrong time can seriously harm your wealth and cause you a lot of stress.