Bankruptcy will not happen instantly even if there is no proper shopping process.
After all, people won't keep shopping every day.
Maybe only one time to make a purchase that looks quite extravagant,
but yes not to make bankruptcy (except for buying branded goods that exceed the amount of assets owned).
Buying, shopping leads to bankruptcy, that is very serious shoppaholic syndrome that is not too popular. I feel very hard to understand people who can have bankruptcy because of shopping, overpaying for shopping luxurious things.
Rather than spending money for luxurious things, they can spend it to stack bitcoin and with more stacks with time, with good patience and belief to hold bitcoin, they will get rich.