That's an absurd metric to cite as negative. You're either dishonest or don't understand what you're saying.

If the average person in the US only has 105k in debt, including their mortgage, that's a fine situation to be in financially. You're essentially saying that someone with at least 100k, more likely 350k+ in equity, and the ability to live off that equity for a year or two in cases of extreme financial stress.

That aside, 4/5ths of that debt is the home. The average person here only has 20k in debt, including their vehicle which is the majority of it.

Again debt is going up, that should be monitored and kept low, but that number ain't the cataclysmic burn you think it is. Owning most your home and having a new car payment isn't scrapping by week to week.