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Income inequality.
Things are more difficult for lower working class Americans than the equivalent people in some other countries (sometimes, depending on the state/country being compared to, yadda yadda yadda). So while it's a rich country, there are a lot challenges for those who aren't rich.
And when you're seeing your fellow countrymen enjoying all these nice things, you want to have them too. Can't afford them? Don't worry! There are lots of ways to lend you money with interest for you to pay back!
Another common thing I've seen is people paying cash for the nice thing they can't really afford and then realizing they can't afford necessities like groceries and then those end up going on the credit card.