I know in my core the only reason I don't have debt is because we had a little financial security growing up. And I haven't been hit by the natural and man made disasters that push people into this corner. Not about "financial planning" to the degree people think.
When I was younger, more broke over draft fees nearly ruined my life.
A $30 fee on a $4 purchase. I fought it. Yelled at them on the phone until they removed it. "Why would you think anyone would want this service?"