Rape, sexism, objectification... all make it much harder to be a woman.
I'm pretty sure that being an at least moderately attractive woman is the easiest.
And I'm sorry, but if I wasn't a straight white male, I'd be finding it a LOT tougher to survive whilst £60k under. For a start, in countries that aren't predominantly white, I'd be homeless at the least, and possibly in jail in many others.
Here in the UK all sorts of lovely laws protect me and keep me from sinking under; I can get a debt management plan, for instance, which allows me to pay a charity pittance in exchange for debtors not harassing me for it. And maybe, eventually, one will have the balls to render me bankrupt - absolving me of all my debt in exchange for 6 years of being utterly without credit. Oh dear, how would I cope... Probably by getting on with my life without taking any credit, I suppose, and getting myself back on my feet utterly oblivious to what happened before without ever losing any of the perks of modern society (my TV, internet, mobile phone, possessions). My dad's done it. Twice.
What do you think happens to the heavily indebted of Kenya? Mexico? Guatemala? Saudi Arabia? India? It's not like this, for sure. There's debtor's jails, homelessness, murder... we have it very, very lucky.