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That's pretty much the case all over the world. Temptations are way higher, you have so much stuff around, people get credits and they live their whole lives in debt. I don't see any problem with that if it's not stressful. At this point though I would only take a credit to invest that money in something that would make me money. I would take credit for crypto as well.

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That is true,they engage in overspending which causes alot if debts for them and even make them become so bankrupt .