If you can’t afford a luxury item, it is fiscally irresponsible to take out credit to buy it. Credit is legitimate if you use it for an investment (or expense)

If you can’t afford a luxury item, it is fiscally irresponsible to take out credit to buy it. Credit is legitimate if you use it for an investment (or expense) which will get you higher returns than the interest payments. Not for luxury goods. Whether a delivery burrito is a luxury good or a basic necessity is apparently up for debate.