Would you say that a household that could pay off all of its debt in 13 months is in trouble? Of course not.
Another way to look at it is this: 16.2% of 2018's GDP was tax revenue. Thus, we could pay off the national debt in 6 years if we focused all of our tax revenue on it. Does that indicate a huge problem? Again, no.
Did you know that the Federal Reserve keeps track of how much the entire United States is worth? $128 trillion as of 2017, which does not include assets held by the Federal Reserve or the US Government. If you were worth $128t and had debt of $22t would you feel nervous? Please.
While we absolutely need to get a better grip on spending and long-term liabilities (as so much of it is plain wasteful), the problem is overestimated. It is a cudgel used by Democrats to raise taxes.