There are people that actually borrow money for luxury purposes like building a house, buying a car and purchasing other things.. it's possible for them to have plans on how to get back the money but sometimes when things don't go according to plan they end up in debt but this is an irresponsible behavior... some people don't really want to borrow money but they are pushed to do it because of their financial situation and the bad economy...The worst thing anyone can do is to borrow money that requires interest payment when you don't have anything you are doing to earn money