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你不要把问题复杂化，debt就是负债，而不是因负债而产生的支出，你给出debt.ca 的网站不是政府网站，胡说八道而已。

curve(curve)

给你看一篇文章，虽然有点旧，阐述的还比较清楚。

https://www.theglobeandmail.com/globe-investor/personal-finance/rob-carrick/putting-household-debt-in-context/article1892281/

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Last Updated: 2017-12-26
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Canada's household debt-to-income ratio hits record 171.1% in Q3 - OTTAWA , Statistics Canada; 12月的家庭债务收入比最新数据：Households Debt in Canada increased to 173.34 percent of gross income in 2017 from 169.90 percent in 2017.

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