You cannot blame anyone for feeling anxious about debt. The great recession has made many people very sensitive about money. Financial wellness can be endangered by too much debt and that causes a lot of worry. Forward thinking organizations must address this worry and help relieve it.
People ordinarily budget for routine expenses but sometimes events happen unexpectedly. It could be a medical bill or notification that the student grace period has ended. That can toss a budget into a world spin. One can accidently forget to pay the credit card bill on time. That results in penalties. Consumers can get bewildered and this does not help maintain financial wellness.