The difference is a percentage of people purposely buy more cryptocurrency than they can afford expressly because they think they will be able to sell it for mo

The difference is a percentage of people purposely buy more cryptocurrency than they can afford expressly because they think they will be able to sell it for more than they paid before the bill is due. Essentially the house flipping craze of the mid 2000s, but with credit cards and cryptocurrencies. No one thinks a $100 Best Buy card will be worth more than $100 in the future, so people don't load up on them looking to make a buck.