So was I, but it's the social aspects - the clubs, and maintaining your standing in the club structure - that are the incentive. I can certainly see that being

So was I, but it's the social aspects - the clubs, and maintaining your standing in the club structure - that are the incentive. I can certainly see that being enough to persuade some people to spend hundreds, maybe even thousands. But there are always outliers, which is why I can swallow the idea - even though it's bonkers - that somebody might spend $400k over 8 years, or still be spending $600/month even though they know it's bad for them.