So someone who has two loans, credit card debt and needs an overdraft while sitting on 150K in savings with no mortgage (incidentally generally the cheapest type of debt which also has tax relief) and still considering borrowing 10K at a high rate of interest for a car doesn't have a money management problem? Yes the debt is small in relation to the assets/savings but the problem is the debt makes no sense. Hence not a debt issue but a money management one.