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I See there are two types of dept,

recoverable, i.e car or bike where providing it is suitably insured and you haven't stretched the payments to the extremes, if you need to you can dispose of these assets on borrowed money and pay off the debt, typically within reason i.e a coupla hundred pounds or so.

Unrecoverable - Holidays, meals out, drinks, clothes etc etc, the "stuff" you dont need and cant sell on to pay of the debt.

I used debt to bring forward things in life, i.e cars and bikes etc, the mortgage is just that, id be paying it in rent if not to a bank. But all my debt is recoverable wherever possible. I hate loans but they serve a purpose but will only get one if I know I can afford it and it suits my lifestyle at this moment and the foreseeable time for the loan.