I would be curious to see the median credit card charge. Several people I know are interested in holding bitcoins for fun or to satisfy their own curiosity, but they don't have sufficient liquid funds and aren't willing to sell long-term assets. What they've done is financed their purchases on 0% introductory rate credit cards, to be paid off with future expected cash flows. That could explain both why some haven't paid off their cards yet and why ~70% of those believe "bitcoin is worth the interest expense". I'm sure many are irresponsibly leveraging themselves, but hopefully most fall into the former category.