It's so pathetic. I can't really understand this behavior, it's so alien from my own. They buy things they don't need with money they don't have until they are at the very end of the limit of their credit, and then they stay there, paying the maximum amount of interest on the minimum payment of their debt, which dramatically reduces their total monthly income. Some of them are dumb enough to take out a second mortgage on their houses so that they can drive their debt up a little further. It would be totally insane, except there is a glimmer of reason behind it. The useless liberal government is talking about forgiving these goldbricks their student loan debts, and other debts. If that happens, these grasshoppers will have proven craftier than the hard working ants who saved their money and denied themselves worthless junk from China.