Voted for

• The debtor/one who made them

I am similar to you. I have not had any debts and loads so far.
I save for what I need to buy, and if I do not have the money, then I do not buy.
I have not requested a loan so far, and I am not planning to request a loan in the future either. But if someone requests a loan (or make a debt in any other way), then he/she should pay the debts. No one is tricking no one. You just need to read the terms and conditions, agreements carefully. If someone cannot manage money, then that is his/her responsibility, and not other people's responsibility.
My brother cannot manage money. He is irresponsible with money. He made a lot of debts in 2018. He will not make more debts, because the court limited his disposing capacity. He will pay his debts. If not, then he will probably go to jail to pay his debts in that way.