Meaning of 'debt culture'

[doanngockhanh]

Test No. incompl/advan-38 "Are You in Debt?", question 6

The main problem is that a debt ......... has developed recently believing that it is cool to owe large sums of money.

(a) cultivation
(b) cult
(c) cultivate
(d) culture

Test No. incompl/advan-38 "Are You in Debt?", answer 6

The main problem is that a debt culture has developed recently believing that it is cool to owe large sums of money.

Correct answer: (d) culture

Your answer was: incorrect
The main problem is that a debt cult has developed recently believing that it is cool to owe large sums of money.
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Dear Sir,
I have no idea why we use "debt culture" here? English is so terrible. Please explain more.
Thank you so much

[Alan]

Culture here means fashion/way of living/accepted behaviour. Debt culture means it is becoming acceptable to owe money/be in debt.
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English as a Second Language
You can read my ESL story Present Simple

[Licinio]

I have a question on this sentence as a whole.
"Believing" seems to be a misrelated participle as it points grammatically to the subject of the sentence (the main problem), but problems don't usually believe anything!

[Beeesneees]

I agree with you Luciano. Even looking at the test as a whole it appears that this sentence should be something like:
The main problem is that a debt culture has developed recently, whereby people believe that it is cool to owe large sums of money.

Unfortunately, That doesn't seem to be one of the tests I can edit. Hopefully someone else will step up and make the change.
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Cheers m' dears!

[Esl_Expert]