many people, the one's who have been thinking over the last several years, have been working to pay down their debts.
the current events whether by design or not, force (bailout) debt on the people.
Even IF, you are "debt" (personal debt) free, you along with everyone else, still owe on the bailouts (taxes)... this will be assessed through greater wage, property, consumer, income taxes, etc. somewhere along the line.