The basic problem is that you're playing the devil's game when it comes to debt. You might think you are getting the upper hand but the house always wins. The b

The basic problem is that you're playing the devil's game when it comes to debt. You might think you are getting the upper hand but the house always wins. The banks always win in this scenario because they get bailed out when they lose and they collect your interest when you "win". It becomes difficult to see how this scenario helps the common man.