Whats Ruining Society? [Wall of Text]

[Hessah]

Irresponsible spending IS irresponsible behaviour.. Spending is part of the behaviour.

Unfortunately that's how banks work nowadays. And can't blame the banks entirely, people should budget for themselves.

Just because the bank offer to lend you $10k it doesn't mean you HAVE to take it up. My credit card limit is $x, but it doesn't mean I need to spend ALL of the $x that was lent to me, because I only earn half of $x. I can't afford to repay them back.

Need to add #4 on Yosei's list..

1. Materialism
2. Laziness
3. Selfishness
4. Common Sense