I’ve had an idea for a film, or maybe a TV drama - I think it’s gonna be a cracker.  This is the basic premise :

Imagine you are a guy, in a bit of a humdrum job doing the same old same old day in, day out - perhaps a civil servant working in an office, or a prison officer or something.

Away from work you want to lead a different life so you spend your cash a bit too liberally and end up in a little bit of debt.  You don’t want to curb your spending to pay off the debt, so the level of debt spirals out of control.  The depression this brings on, leads to more spending and so it goes on.