Let's put it at it's simplest. Your Dad, Mr L. Abour, is stupid and a drunk. He spends money on mostly useless stuff without thought. When a storm comes and takes the roof of the house, you need to fix it, but your Dad's mate leaves you a note saying your Dad has spent all the money and not only is there nothing left but he's left you heavily in debt with huge interest payments.
So you draw in your belt, save money wherever possible and pay off huge amounts of debt. Meanwhile your Dad is pissed and shouting Spend, Spend Spend!. After 10 years, you've got the debt right down and your kids are saying they need money spent on their education and health. So you use the money for them prudently.
And your Dad screams, "See, I was right all along!"