You are only affected insofar as the US might be unable to provide its current level of services at their current price, and are free to renounce your citizenship and move elsewhere.
Federal debt operates just like limited liability corporations debt would, in this sense.
No, I am affected to the extent that the government has guns and will use them against me if I don't fork what they decide I owe them.
Not exactly like a limited liability corporation, as few of them have the firepower to shake down hundreds of millions of people to pay their debt.
I'm free to leave? How kind of you! Where am I free to move *to*? Anywhere that I could actually be free from the Tax Ranchers? I thought not.
The Tax Ranchers have the guns. Today. May not always be the case.