Debt is not that hard of a concept to grab. You need it, you borrow it, and you owe it back. When you give it back there is no more debt. Now when you throw in the idea of adding interest to what you've borrowed ... that's when the Kool-Aid begins to stir.
Now when you borrow you are required to give back more than you received. If you don't, you pay a monetary punishment with exorbitant fees, late charges, over- limit charges, teller fees, withdrawal fees, deposit fees ... you get the point. Not only do you get the point but you most likely pay most or all of these fees yourself and will again.
Interest rates are ever-changing and with the way the different ways interest is calculated it's not bizarre for a borrower to have to pay several times the amount borrowed just in interest.
How many people use the money on things with substance over the ones with short-term benefits? The ones who choose the latter are obviously paying for something long after the benefits are gone.
Do you even remember what you are paying for?