Services that can give you something right now and let you worry about it later can all be good if used properly but damaging if not. So then the question to m

Services that can give you something right now and let you worry about it later can all be good if used properly but damaging if not. So then the question to me is; should we let people do what they want to do and/or regulate the service? Gambling is a good example of a heavy regulated service to prevent missuse, but of course not as severe as bad credit card spending. I could say that gambling is harmless if you just limit you spending. But IMO this misses the bigger context. I personally find credit cards very useful and never had my debt carried over. But my economy isn't exactly tight either.