People generally underestimate their food budget. You go "into debt" buying food because you didn't expect it to cost so damn much. But the real problem is rent (also mentioned in the article, but not the headline), which erases up to 2/3 of our income. Without much headroom, it's easy for costs to blow way past limits.

The article also relies on those with debt to assess the cause of their credit card debt, but those with debt are rarely financially literate.

>In CNBC Make It's survey, 32% of people said their discretionary spending was the No. 1 cause of their current credit card debt.