Yeah, taking out loans for luxuries can be so addictive. You better budget for leisure and luxury. Then have some self discipline. Sometimes you don't really have to get those things you desire, you can wait it out till you have enough money.Yes, taking out loans can become a very dangerous habit. Even if you are taking out loans for things you want, such as luxuries, it can be easy to become addicted to the habit of borrowing. It is important to budget for luxuries and plan ahead for them. Additionally, it is important to remember that taking out loans can carry a lot of risk, so it is best to be aware of the potential consequences of taking out a loan before doing so.