Cheap and readily available finance lures consumers into spending more than they need. Bigger newer houses, more medical tests than necessary, more expensive un

Cheap and readily available finance lures consumers into spending more than they need. Bigger newer houses, more medical tests than necessary, more expensive university, graduate degrees, etc. And then others want to keep up with peers so they get lured in too. If you go outside the US cars will be noticeably older, even rich countries, but still serving their purpose just fine.