Due to the the prevalent ultra-consumerist culture
in the society and the people's vulnerability
to overspend, credit card is not a rational choice.
Many credit card holders fail to overcome the urge to spend
beyond their means due to their personal weaknesses
and the strong hypnotic power of advertisements.
Ayun, baon sa utang!
Sweldo'y pambayad utang!
Kulturang middle-class!
