Where I live, that would be a ludicrous income, definitely comfortable money.
In California, that would be a lower-middle-class-maybe-i-own-my-home-if-i-bought-early mind of an income. Our regions are so different in cost of living that these kinds of numbers can get funny/confusing
There's no such thing as the middle class. That's just what capitalists' pets call themselves to feel like they somehow deserve not being afraid of starving in the street like most people in the working class.
Also, you are assuming that debt is caused by bad decision making while ignoring million other reasons why people would end in debt under current regime in the US
Hint... Medical debt is no 1 reason for personal bankruptcy.
Consider getting educated on the issue instead of spouting elite's propaganda