> There is a real opportunity for you to learn here though. That comes off as condescending. You assume I don't already have a set of well thought out values a

> There is a real opportunity for you to learn here though. That comes off as condescending. You assume I don't already have a set of well thought out values around debt that I am quite happy with. It's not that difficult. I just live the same way I would expect someone to live if they owe me money. That keeps me honest on both sides: I treat my debtors with empathy. And I treat my debts with the same seriousness of a contractual obligation that I would hope my own debtors do. But if you decide your five star hotel holiday can't somehow be downgraded to a smaller budget while simultaneously defaulting on loans, the average person will have zero sympathy. The problem with "allowed to live a full life" is that too many people define that as something that is far beyond their means.