LOL, I think the point TG is trying to make is these area’s (2-4 at least) tend to have young middle class families so this type of debt is not unusual.

Versus more urban area’s where there maybe a mix of more poor and homeless and in some area’s more affluent families.

In the case of area’s like San Francisco probably a mix of all + a lot young single guys with no kids (seriously I could not imagine trying to raise kids in San Fran or any similar big city downtown environment).