You cam make up whatever hair-brained scenarios you want, but 1 in 3 people in the US have debts in collections. Or 77 million people.

Source: http://money.cnn.com/2014/07/29/pf/debt-collections/

So yes, "Pay off debts" is plenty sane, and yet not on there. And given the existing potential answers, gives credence that this is for rich white boys financed by rich mommy and daddy.