Unfortunately, we have fallen into this situation because of a consumerist society, where the life-motive is to have a big car or to cruise around the world.
All of this is aided by the financial institutions that, without nuss no problem, and in some cases the agencies themselves promote abnormal discounts, to take a cruise.
Just the thought of going into debt in order to go on vacation or buy a luxury car, I see it as completely nonsensical: on installments you take only the things you need, a trip is not necessary, you can postpone it or, even, not take it!