How do you know that the doctor is "wealthy"?
You cant assume that kind of thing.
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Im being rather serious. What is your definition of Wealthy? Are you looking at a persons debts or just how much they make in a single year? If a person makes 150 grand per year but pays 140 grand per year in debts/bills and has enough left over to keep a place to live, keep the lights on, eat, and get back and forth to work are they wealthy? Most people that show off their "wealth" dont have much net worth to speak of.
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If the doctor puts himself in that much debt, he still has the ability to pay off the debt. It's not like his student loans are due in full as soon as he graduates. If he got into debt by gambling, he still had the ability to bet that deep, due to his earnings. For the record, I gauge wealth by earnings. Regardless of the decisions you make, the more you earn, the wealthier you are.