Originally Posted by
StanSeven
Maybe someone doesn't need a $5000 bicycle or a nice vacation but they want them. Shouldn't they decide how to spend their own money?
yes, they should decide how to spend their own money. the problem is, you're suggesting that it's ok to spend money they don't yet have on something that's not a necessity. that's your opinion, and you're certainly entitled to it, but it's my opinion (and that of others) that it's a terrible decision to finance a bike.