Unfortunately , civil servants are sometimes prone to living beyond their means since they have a secure government job and pension , plus other perks. Because of this they are seen as a low credit risk and can borrow money easier than other people which leads them to take on more debt than they can cope with. Where I used to live a married couple , both civil servants , commited suicide in the middle of one of their fields. They appeared to be rich , with big house , nice car etc but it was all a facade propped up by millions of baht of debt.