A signficant, and nearly always ignored part of Keynes theory is that governments should run a surplus most of the time. Not continual deficits. Canada was following the surplus part during the early 2000s and partly due to that we are doing generally ok currently
Conservatives believe the government is incompetent, and seek to elect people who will prove it
Ignorance is Bliss Bliss is the same as happiness US Christian conservatives are the happiest in the US according to studies Do you see a connection?
Let's use your individual analogy:
Say you are hit by an uninsured motorist while crossing the road and you don't have disability insurance. You can't work because of your inuries and probably won't be able to for a year or two. But fortunately you have very good credit and you can borrow enough to get you through that time which will allow you to keep paying your bills and your rent. What do you do? Do you say that borrowing would be irresponsible and thus not pay your bills and start living on the street? Even if not paying your bills and living on the street will have a severe impact on your future job prospects and your ability to borrow in the future? I don't think so.
I think what you do is take your lumps and over the course of the next year, you develop a plan to pay back the loans over time.
I may be wrong.