That's more of a cultural phenomena than 'reality'. I don't meant to say it's not happening, but if one frames it as 'reality' you make it sound inevitable, whe

That's more of a cultural phenomena than 'reality'. I don't meant to say it's not happening, but if one frames it as 'reality' you make it sound inevitable, whereas it's a consequence of a cultural framework and mentality. For example, I don't personally know anyone who uses a credit card for things they can't afford, and that seems like a very US thing to do.