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Imagine you are working 2 minimum wage jobs and rent has gone up. You are a single parent. Your car gets a flat tire and its 200 to replace. Do you open a credit line to fix the tire, skip groceries for a week or just don't pay your cellular bill?
People aren't stretching their payments because its fun.
This is just one example and an extreme one at that. I'm not even talking about those people or those scenarios. I'm talking about the people that make unnecessary credit card purchases when they cannot afford it. It's financial responsibility. There are people making six figures that are in debt.
you call them the extreme scenario, but they are the norm. this kind of scenario is the average reality for a massive number of Americans. it might not be "single parent with a flat tire", but there are thousands of ways people get stuck in a rut with only credit as a lifeline, and it's getting more and more common, and it's rarely something that could be foreseen or mitigated against. that's how our society is constructed now. desperation is the norm. it's profitable.
that is what this trend reveals. the ones who buy more than they need on credit they barely qualify for are the minority. the desperate are the majority.
you'd think you'd take some personal responsibility over your ignorance on the matter before loudly asserting that desperate people need to just pull up on their bootstraps harder and stop whining near you.