But the point is that you're finding out about this potential consequence now, from the safety of your own home. It'll be hanging over you when you're out, as

But the point is that you're finding out about this potential consequence now, from the safety of your own home. It'll be hanging over you when you're out, as things get worse and worse. You'll start thinking of alternatives much earlier, because the potential of living the rest of your life in debt if you only find a destructive way to stay alive won't let you wait as long to be thinking about solutions. Nobody's reading this article from a place where they're already at "light a forest fire or die" danger level. This only works as a deterrent and a cautionary tale because people are finding out about it before they're in dire trouble.