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Rolling over a payday loan. You write them a check for $300 post dated for payday, they hand you $255. On payday, I would go back with a fresh $300 check to replace the one they just cashed so they could hand me another $255. This would be after exhausting overdraft from my checking that cost something like $35 to overdraw by $200. I wasn't even on hard drugs or drinking, just weed and nicotine. By the time I was 30 I had $15k in financial judgements against me, it took another 4 years to pay everything off. It almost cost me a promotion during the credit check. Apparently you shouldn't be a financial advisor if you're terrible with your own finances but I talked my way out of it (and then failed as a financial advisor).
That's pretty shocking - it sounds like the actual problem was being $255 short the and just never catching up.