They got a new job and believed they would be getting big commissions, raises, or bonuses, and didn't wait before consuming more. This multi-trillion dollar spending each year is what keeps our country running. If everyone only bought necessities like food, water, clothing and shelter, our economy would collapse in a day. It wasn't too long ago that credit cards were only used for travel and entertainment. Now they are routinely used in supermarkets and fast-food places.
All human needs are now obtainable on credit cards.
Even hookers take them. I first started seeing the smirking rep from Visa appearing at legal seminars in the early 90s. Very few of the practicing lawyers took him seriously. The other 4 percent disappear or file bankruptcy. At a typical interest rate of 16 percent, the issuers make billions upon billions in interest on the original money.