Maybe my math is illogical but... That seems to say that your average American has a debt share of $53,200 (plus any share of their city debts) but the average Detroit citizen has a debt share of $20,000 plus $53,200 = $73,200. So you can argue that Detroit is 2.5x better but I disagree. Detroit's population and employment have collapsed, yet many of the debts and expenses are not proportional to the population, particularly all the pension obligations. They've reached the point similar to a business that is running at a loss. Of course bankruptcy is inevitable. The only question is what to do about it. If anything. Maybe the problem will solve itself, like if everybody leaves Detroit. Of course that would never happen although many more could flee. At some point the city will become incapable of providing essential services (like police and fire) and the National Guard will probably be sent in. Then there's the problem that if Detroit is allowed to go bankrupt and receive federal aid, there's plenty more cities that will be standing in line to be next. I sometime wonder if the whole state of California is headed for bankruptcy at some point in the future, the way the idiots in Sacramento spend money.