Here is a thought experiment. Lets assume that the minimum required to live in a given place is $20K.

So now you have two people, one makes $30K, the other makes $40K. How much more does the second one make compared to the first? Twice as much. At $30K, you have $10K disposable. At $40K, you have $20K disposable. And someone making $60K is making four times the disposable compared to $30K.

Once you get above cost of living, everything gets easier.

Good luck getting anyone to lend you that kind of money if you're actually poor.

Someone who is able to get deeply in debt basically by definition has access to money. They would not be granted loans otherwise.