Many people have difficulty paying off their debt.
People normally will do everything they can to pay off debt including making big personal sacrifices. Eventually though, it can become impossible to pay off large debt while still having money left over even for necessities. Also, if we continue in debt, then we are not able to save for future emergencies, or expenses like college for the kids or even our own retirement. This is where bankruptcy law comes in. Courts consider bankruptcy to be the responsible thing to do if we are no longer able to pay our bills.