I wonder how much of that is because they want to, and how much of that is cultural. In my experience a lot of people in Western Europe want to do the same, bu

I wonder how much of that is because they want to, and how much of that is cultural. In my experience a lot of people in Western Europe want to do the same, but can't, because credit is much less accessible. Is using credit for that stupid ? Yes, absolutely. But I strongly wonder about denying people credit.