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How could mortgage not be considered debt? You're taking someone else's money, spending it for your own benefit, and contracting to pay it back on a certain schedule + a hefty profit for the lender. Sure seems like classic debt to me. Just because there's a lot of structure around it and it's very common doesn't reduce the fact it is actual debt.

The graphs are related to number of bankruptcy filings. I don;t think younger people are any less sick now than they used to unless preventive care has gotten significantly better, could be interesting to explore

It seems like it is technically a debt, but financially I wouldn't consider it debt until you have either failed to pay it back in the agreed upon time or are missing payments.

The word you are looking for is "secured" debt.

https://www.lendingtree.com/glossary/secured-debt/

You can't go bankrupt on student loans, so there's your young people with crushing debt that they can't discharge, much less take on other debts that could be discharged in a bankruptcy.