First of all, household debt is household debt, it is not disingenuous, it's exactly what it sounds like. And it obviously does not only include mortgage debt.
Second, who said anything about the United States? Why is that always the knee-jerk reaction? Mortgage debt is included in the US calculation anyway, so what's the point exactly? The US doesn't get a special calculation for household debt that is different from the Netherlands. Non-the-less I wasn't comparing the two. Let's compare the Netherlands to the rest of Europe who they are in theory most similar to: their individual debt is drastically higher than basically all of Europe.
Third, having eg 100% of your home consumed by debt, means you do not own equity in your home. That's household debt, and it should count just as much as credit card debt should: you have to pay for it, it's going to come out of your future earnings one way or another, and if you do not pay for it there will be serious financial consequences. And when the number is 250%+, you can bet that is coming home to roost sooner rather than later.
My point stands: to deal with that extreme level of household debt (and that's assuming there isn't another crisis any time soon that tips a dangerous situation into an untenable situation) will require a dramatic change to how the people of the Netherlands live. Most likely part of that equation will have to be working more. My argument is that a social trade-off has been made between work, leisure and debt, and to the extent that compromise has been made, in the future it will have to be reversed.