Riddle Me This President Batman

Our country is in debt. A TON of debt. So how is it that people who owe the government a TON of money are able to get away with only paying a fraction of that money? Why do we seem to reward individuals and companies who over extend themselves to such an extent that it seems they owe more than most of us make in a 2-10 year period of time?
I see all of the commercials online about how if you owe >$10,000 in credit card debt, we can help you reduce that an only pay 10% of that amount. If you owe the IRS >$20,000 we'll help you settle that and pay only a fraction of that amount. "We owed the government $5million, but we only had to pay $1.2 million"
Anybody really wonder why we are going broke?  How is it fair that I pay the correct amount of taxes in my paychecks, my husband pays enough in his paychecks, we pay our credit card bills, and we deal with not getting to take vacations to make sure our financial responsibilities are taken care of, but if we owed the government $1000, we would owe $1000, no if, ands, or butts about it.
Why are deals made only when you owe a huge amount of money? Wouldn't it benefit the government greatly to call in those debts? And why is it that a person who owes $5million to the IRS in taxes, who makes obviously a great deal more than that, is able to reduce that bill to a relatively paltry amount compared to their annual income? If you owe the IRS $5million, and estimate that 1/3 of your income is owed in taxes, you make $15million a year. Reduce the payment to 1.2 million and you are only paying 8% in taxes. Now imagine the same situation for a family who only makes $40,000 a year. Given the current tax brackets, instead of paying the 33% of the rich, us "poor" middle class families owe 15% in taxes. This would be $6000 annually. Although to the rich who has to pay $1.2 million, that seems to be such a lowly, insignificant number, to us- that is 2 months pay. An amount that can sink us if any emergency happens. So even without using current tax brackets, those who are more capable of paying into the government, who have disposable income and view our annual income as a vacation payment, pay less into the government than we do. Nearly half of our income percentage. Does anyone see this as fair?
I owe 15% of my income, why are those who make millions more than me able to pay half of that? Oh, thats right, the law makers and officials who make it possible for these actions are those who make that type of money. Our lawmakers and government officials make more than double to national average for the "average" worker. The President makes $450,000 annually, with a $50,000 expense account (in addition to 7 other expense accounts for other things including $1million for miscellaneous expenses) and he will continue to receive a paycheck for the rest of his life as well as personal security for him and his family. And before you ask- this has nothing to do with the current President since this was established in 1982.
The typical congressman makes $174,000 annually, 8x the amount that a Sergeant in the military makes. People have argued that the President's job is so stressful and that he is in danger for the rest of his life from assassination that he deserves such a high pay. I have to disagree to the fullest extent. A fire fighter who runs into a burning building every day and makes $41,000 a year. He risks his life every day he goes to work, wears his body down physically, potentially damages his lungs from the smoke, eyes from the heat and light of the fire, and the mental abuse he endures when he can't get everyone out of the building. The average military man makes less than $50,000 a year despite years in service.
Police Officers who risk their lives every day, who patrols you neighborhood to ensure your safety, who drives and walks around 10 hours a day to provide our country with security make on average $50,000. In any rational capacity can anyone explain to me how a man who only has to do a job for 4 years, constantly surrounded by security, and realistically has advisers and council members who come up with every action he needs to decide upon, is in more danger and deserves 11x that of our bravest men and women in our country?