Rich people's debts vs. poor people's debts

Switzerland has one of the highest rates of private household debt in the world. But depending on one's social background, debt is not the same. On the one hand, there are homeowners who have every advantage in maintaining their accumulation debts to lower their taxes, and on the other, a fragile fringe of society crushed under the weight of survival debts. How can we make debt more socially equitable?