Add me to that list. Became sole breadwinner at 22 for a family that had $2M in debt due to failed business. At one point, I was held hostage at gun point by a debt collector. Deeply scarred by debt to this day. Scared of investing anywhere and just hoarding for a rainy day. No family to speak of except wife and child. Very few friends. No purpose to life other than seeing my child grow up and be successful.