[ruste]

From what I've seen, a lot of it is people getting used to a standard of living above their means and being totally okay with going into debt to maintain it. People get used to having a lot of things they really don't need and end up spending a considerable amount of money on them. Upgrading phones through their cell phone provider for instance. I know a lot of people that just think "oh yay! I'm due for an upgrade." I think many don't realize that the phone isn't free. They could buy the phone outright and it'd be cheaper. They just pay for the phone through a higher cell phone bill for several months. Things like that add up.