I think a lot of people just think of it like free money that they can "owe" later and end up relying on cards so much, that the debt is beyond their means to pay it back. I know a few people who have filed for bankruptcy 2 or 3 times!There are some people that are extremely reckless and do not understand that they will have to pay the money even with interest and the end up buying things that they do not even need.