Dont forget about the kids that wanna move out of their parents home. They dont understand the concepts of bills, money, jobs, etc. They think a 600/month job would be good enough but they dont think about utilities, food, other misc bills, gas money, etc.
Then theres the ones that spend every dime they have on crap and then get credit cards and max them also. Then when they want a cool car, they dont understand why their credit is to bad.