I do agree with almost everything you're saying, except the conflation of "in debt" and "poor." A lot of people who have very large salaries are in a lot of debt because of poor spending choices, while poor people are in a lot of debt because they started out with a lot of marks against them.

Even when we're talking people with comfortable middle class salaries who are in ridiculous debt, though, it's still a societal problem - we've traditionally encouraged the taking on of debt as a way to "contribute" to society and the economy and we encourage a lot of mindless consumerism and "keeping up with the Joneses."

Not really disagreeing with much that you've said except that in some cases, debt is a choice, while I don't think body size generally is.