A financially successful business must have control over its financial matters, especially cost control. It's the same with personal finances. Getting out of debt is easy. Getting out can be harder. But we often stay in debt because we're not sure how to get out or even if we want to.
Most people have a comfort zone of acceptable debt.
The bottom line is that most people live in debt because they choose to do so. You receive new bills before the old ones are paid. You take cash advances on credit cards. You fail to save even a little money each month, or dip into savings for normal living expenses. You charge more each month than you make in payments.