ITV’s new program Repossession, Repossession, Repossession focuses appropriately on people whose lives have been turned upside down by debt in the most dramatic fashion by the loss of their homes.

Following the lives of a family, a glamour model, a gambler and most interestingly Jamie an ambulance driver, it attempts to explain how these people got into a mountains of debt. Although the program lays some blame on banks and financial instituitions, it still focuses on individuals ‘spending sprees’ as the real reason their homes repossesed.

As Gary Hoffman, group vice-chairman of Barclays, rather checkily explains: “People binge eat, they binge drink, sometimes they spend, sometimes they binge borrow and what I encourage, what Barclays encourage, is for customers to talk to us when they have a problem.”

This from a man whose bank has lent millions pounds to those on low-comes and made a large fortune out credit card repayments.

The biggest question in this program should not be why are people are spending so much more than they earn? Or have people become too greedy? But why are public sectors workers like Jamie, who carry out essential services such as driving ambulances, earning so little they rely on debt to get by?

When will there be a program asking vice-chairs of Banks why they ran up so much debt they require billions of pounds of government bail outs?