People in America buy things they do not need. Take for instance the obesity crisis here. Americans buy more food because they don’t go by “serving size.” Hence more money is spent to buy that food. They don’t think about do I really need that food? Am I eating because I am hungry or because it’s good? Do they stop? The high interest rates are supposed to act as a “punishment “ I think. But as you see debt keep climbing as does the weight of Americans because of no self control.