[user104658]

As a society we are foolish men who have built all of our houses upon the sand - that is to say, all of our stock is in the free market capitalist bubble and we sort of have to accept that. We stop spending and the whole thing washes away with the next tide. Sooo basically... we're not going to change / fix it, so we might as well enjoy Christmas .

I mean, I have a not insignificant amount of credit card debt, have done for years. After Christmas, between us me n' the wife had about £800 of "Christmas funds" left over... and yeah, we COULD have lumped all of that onto a credit card, but would it actually make any difference at all to our month to month budget if we did? Nope. Piss in the ocean. So we bought a nice big 4k telly instead .