Why don't people want to go Bankrupt?

Here at Debtaid we often advise that Bankruptcy is the best solution to sort out Debts in particular cases. Time and time again we are told that the client does not want to go bankrupt but try to repay the debts they have incurred. This is great morally and is far from the "morally bankrupt Britain" we keep hearing about in the media. It does seem strange that our regulators are always asking us to provide the "best way out" in debt management but the public often want to at least try to repay the debt they have.