Simply living in the developed world pushes you towards over consumption and encourages us to live beyond our means. This structure comes from the top where everybody can afford everything and development is ever encouraged. Down the ladder it becomes a matter of 'staying with the times'. For a lot of people that means spending far too much updating to the newest of the new, relying on credit to keep up... when in reality they are forcing themselves deeper and further behind. This will never stop as long as corporate tyranny is the idealized form of economic governance; especially since it is the people at the top who are racking in the profits from both the credit purchases and credit debts.