Why is it depressing? What is the % of people that bought smokes, alcohol and other harmful substances.... and could not pay back? What about the % of people

Why is it depressing? What is the % of people that bought smokes, alcohol and other harmful substances.... and could not pay back? What about the % of people that bought iPhones on credit and could not pay it back? The number needs to be taken as a comparison to other purchases (it is Credit after all) to see whether it is higher or lower than the typical credit card purchase. At least with crypto (or any forex) you have purchasing power vs. Buying over priced meals, useless gadgets and drugs such as coffee, wine or cigarettes