The government, in an effort to make your life easier, lifts something like a third of your pay check without your having to do a thing. You have problems. For example, you get a speeding ticket one day, and then your insurance goes up. Or your car blows a gasket. Then you have desires.
All humans do, some more than others.
You may desire all of it all at once. Occasionally you cannot control yourself and one of your desires is filled. Debt makes up the difference between income and expense. Debt itself is not bad. The problem arises when debt accumulates for no apparent reason.