Интересная альтернатива потребительским кредитам

Even people who can pay off their credit cards often don't, since the whole structure of the credit-card industry is designed to make you irresponsible--as long as you make a small monthly payment, the bank will carry you. In fact, that's what the bank wants...Layaway, by contrast, fosters virtue: it forces you to save, because if you don't make the payment you don't get the product. It's what psychologists call a "commitment device," a way to get yourself to do something that you want to do but know you'll have a hard time doing if left purely to your own devices.

Всю статью можно прочитать здесь.