looks like alternative universe (will mark it as unresolved mystery), "if" you are average household or family with same behavior you will be bankrupted long time ago or in prison

https://fiscaldata.treasury.gov/americas-finance-guide/natio...

https://en.wikipedia.org/wiki/National_debt_of_the_United_St...

for sake of common sense - simplified:

You are indebted $37000 and you annual revenue is $1860, how much money will bank borrow you or your uncle borrow you ?