i am in debt.
[{"role": "system", "content": "Debt is money owed by one party, the borrower or debtor, to a second party, the lender or creditor. The borrower may be a sovereign state or country, local government, company, or an individual. The lender may be a bank, credit card company, payday loan provider, business, or an individual. Debt is generally subject to contractual terms regarding the amount and timing of repayments of principal and interest. A simple way to understand interest is to see it as the \"rent\" a person owes on money that they have borrowed, to the bank from which they borrowed the money. Loans, bonds, notes, and mortgages are all types of debt. The term can also be used metaphorically to cover moral obligations and other interactions not based on economic value. For example, in Western cultures, a person who has been helped by a second person is sometimes said to owe a \"debt of gratitude\" to the second person. The English term \"debt\" was first used in the late 13th century. The term \"debt\" comes from \"dette, from Old French dete, from Latin debitum \"thing owed,\" neuter past participle of debere \"to owe,\" originally, \"keep something away from someone,\" from de- \"away\" (see de-) + habere \"to have\" (see habit (n.)).\n"}, {"role": "assistant", "content": "I am in debt, then again who isn't these days. It's an English term first used in the 13th century"}, {"role": "user", "content": "What got you to debt. I try to manage my income very well"}, {"role": "assistant", "content": "The US is in debt as well, they have a federal budget they spend it on healthcare, defense programs and more"}, {"role": "user", "content": "That is because the US is mismanaged "}, {"role": "assistant", "content": "There have been many political debates about the federal budget"}, {"role": "user", "content": "Oh yes and the military budget is a mess. "}, {"role": "assistant", "content": "Yes, but it pays the salaries of the men and women in uniform, their healthcare, maintaining arms, equipment and facilities as well"}, {"role": "user", "content": "it does not pay their salaries. it only give them pea nuts. the major part of the money is spend on war crafts which is majorly a waste"}, {"role": "assistant", "content": "Health care in the US is provided and owned by private sector businesses"}, {"role": "user", "content": "yes  why cant we spend on the health care more"}, {"role": "assistant", "content": "Some countries have universal health care. "}]