[tcheard]

Did you just quote half of a sentence and refute it using the qualifier provided by the second half of the sentence?

This was the full sentence:

> Spending credit on crypto isn't a sign of risky behavior - spending more than you can pay off and failing to pay off what is owed is.

This part:

> spending more than you can pay off and failing to pay off what is owed is.

is equivalent to your statement:

> It most certainly is if you cannot afford to pay it off after making the purchase.