"Debts are easy to fix but liability is the nightmare"

I was listening to the US Open and saw a commercial I had seen a million times, but I finally picked up on what one statement was made. The little kid says, "Debts are easy to fix but liability is the nightmare." Wow, I guess it makes sense an insurance agency is trying to sell that. But, I know people who spent over 5 years trying to "fix" their debts...amazing. Check it out about 16 seconds into the commercial.