posted on Oct, 6 2011 @ 03:14 AM
You don't sound like Eurotrash at all. This is a question many American ATS posters will not be offended by, because many of the people posting here
don't go out and buy so much crap on credit cards.
Americans are entitled. Plain and simple. As an American you are bombarded with reasons to be entitled. Want to go to college? The messages being
sent aren't: Okay, work your way through college. The messages being sent say:
1.) Your rich parents will pay OR
2.) You can get a grant or scholarship OR
3.) You can get a loan and pay it back over 30 years.
We have "celebrities" who aren't even celebrities. Paris Hilton, Nicole Ritchie, and Kim Kardashian are a few. Paris Hilton is famous because she
made a sex tape which was then "leaked" to the media. Her grandfather is the Hilton Hotels guy. She gets paid to show up at bars/clubs/parties, or
endorse products. She has no talent; she does not sing, dance, act, nothing. Nicole Ritchie is famous because her daddy was Lionel Ritchie. Kim K
is famous because her parents are rich and she got noticed by going out club hopping with Paris. Again, these ladies did NOTHING to earn their fame.
Yet, they are billed as "famous" and "hot" and if they carry a purse or wear an outfit, girls want it. They also want boob jobs and hair
extensions. The media gives more attention to people like this than real issues. Like war or politics.
Americans are constantly told that if you want a house you get a loan to have one, and if you want new furniture for your house the store will give
you a loan and if you want a new car, guess what? You can get a loan. No one is encouraged to live within their means. They are encouraged to spend
as much as their credit will allow them to spend. When I was buying my house, I had real estate agents REFUSE to help me because I wanted to buy a
house that cost only 30% of what I was qualified to get a loan for. They weren't interested in what I was willing to spend (and have a safety net!)
but only what the banks would ALLOW me to spend. See the difference? In fact, I even had trouble getting a loan because my down payment was "too
big." Yes, you heard that right. For picking a smaller, affordable house, and having a down payment, I had disgruntled loan officers who were
annoyed I had saved money to put down on a home. I was encouraged to get a loan for the full value of my home and spend my savings to furnish it.
Are you kidding? Why would I do that? Logically, it makes no sense, but that is what Americans are raised to believe. At least most of them.
Sorry for kind of ranting, and I could go on and on...But the answer to your question is: We do that over here because we are raised to think it is
normal, it's all you see, and everyone else is doing it. I have taken many social rebuffs over being financially responsible. My friends have no
concept of the fact I got my car by paying cash. Someone asked me I won a lottery, then smirked at me when I responded I just saved. Americans have
their .s on backwards.