[Yizahi]

I once clicked on a YT video about irresponsible debts, apparently it's a popular genre there, don't do it or you'll get a flood of these for a few weeks minimum. The interesting note I saw there was that apparently in USA car credits are now reaching into 7 and 8 years length (from typical maximum of 5 or so) and their rates are reaching well into 20% or higher. And that's not on a housing, that's on depreciating expensive cars. Another new idea for me was the fact that people with car debt, are doing "trade-in" of sorts, giving up old unpaid car for a newer better one, with an even bigger total debt. That was really eye opening stuff.