They _want_ people who arn't completely broke but can't afford the credit so they'll keep making minimum payments forever.
Of course. It comes down to affordability, and they want people to max out their credit to the point where they can barely make the minimum payments. I bet they call this a "sweet spot of consumer debt".
For example, once you have a bunch of credit card debt, you will realise at some point that the minimum payments are weighing you down, and you will consider maybe getting a long-term loan to consolidate the debt to make things more affordable. E.g., 30K of credit card debt might have a minimum repayment of 700 per month, a 30K 10 year loan at 10% could reduce that to 400 per month (don't worry about the total repayable here, this is about month-to-month affordability). You'd be 300 per month better off, you could use that to clear other commitments.
However, you will not be able to get the loan, because they take your existing credit commitments (the ones you want to pay off) into account to see if you can afford it. I.e., "Can you afford X (700) + Y (400)" each month, when the reality is you would only be paying Y. This is all baked into the credit assessment system, it's all based on affordability (and not the amount of debt you have already). And they don't trust you to not blow the Y on hookers and gaming PCs instead of clearing X, yet they will not offer a service to directly pay off the consolidated debt themselves. If you're at your affordability limit at 700, there's no way you can afford 1100, so they fail you, consistently.
So it's a multi-year game to get out of a bad debt situation. You need to get any type of loan, over a long term, to reduce the monthly payments as I gave an example of above. But your low credit score means you get high rates. Regardless, once you have it and clear some credit card debt (settle the highest rate accounts in order, preferably), it theoretically increases your credit score because you can technically afford more debt repayments each month (!). Of course, you should use the improved score to get a lower-rate loan to pay off the first loan and any other credit card debt you have still. This takes a long time of juggling, and 0% offer credit cards.
On the other hand, they arn't forcing people to use their credit cards beyond their means. Personally I've managed to never pay interest on any of mine.
So yeah, a good lesson is to not get into debt in the first place, and never have to learn the above. But that doesn't happen all the time - debt can happen for any reason that's not necessarily the fault of the debtor (e.g., in the US - medical bills). So you max out three credit cards, and then you're in the shit, even if you have assets, a good wage, etc. And the system does feel like it's set up like a Sarlac Pit - easy to fall into, hard to get out.
Other rules: always pay secured debt (set the payment date to your wage payment date if possible) before unsecured debt. Always pay the highest rate debt off first, if you have to choose. Be proactive when you see a problem developing, sort it out before you hit the affordability ceiling detailed above. Any step to reducing monthly outlay is better than sitting worrying about whether or not to accept that loan offer that you feel is at a rather high rate (but don't accept one with poor early repayment penalties) but would still reduce your monthly outgoings significantly.
If you'll be in monetary pain for a year, noodles and pasta and rice all the time is a reasonable penalty for the short period of time. If you'll be in monetary pain for five years, etc, then plan in some contingency for regular fun and nice meals, drinks, etc.