The "dinner check" analogy is not adequate

What happened is like:

Your ne'er-do-well relative found your credit cards (with no balances) and your debit card (bank account was loaded with cash)..and while you did not even know they had the cards, they blew through the money, and maxed out your cards.

Since they were YOUR cards, you now have to pay it all back or face financial ruin.

Imagine if you thought you had zero balances and money in the bank and suddenly found out you were $50K in credit card debt, and your bank account was wiped out.

Could you "pay it all back" and still carry on a normal life within 3 years?