It's a bit of both isn't it? They gave you so much credit because they assessed you as the type of person who wouldn't do that. If they were 100% sure that you

It's a bit of both isn't it? They gave you so much credit because they assessed you as the type of person who wouldn't do that. If they were 100% sure that you would be spending recklessly, you'd probably have a limit of a few hundred at most. Part of their job is making that assessment correctly.