I prefer to control my expenses thanks. Going into debt to pay for my consumption is not how I like to manage risk.

Anybody sensible who is making a software engineer's salary pays off credit cards in full at the end of each month, which is only "going into debt" in the most technical sense and incurs no interest charges.

You are, of course, always free to exercise whatever risk profile suits your requirements. I don't like that system thanks. If it works for you, who am I to criticize?

What exactly is the "risk"? That I won't have the exact same money I would spend now in two weeks?