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Wrong. That's ALWAYS been a problem as long as credit has existed. It goes back HUNDREDS of years.
You can read it in books like Samuel Pepys diairies and so on.
The fact is when younger people get their first taste of credit avialability, you will get a chunk of them who don't get the consequences of their actions and will fall foul of it.
And modern credit companies KNOW this and will prey on it.
So sorry, quite wrong, as it's always been a thing.
Having less people in the second thing doesn't demosntrate that.
You need to show causally that's the reason not a leap of faith.
How did you discourage the most obvious reason? THat people couldn#t be arsed? Or many of the opther myriad possibilities?
I only found out a few months ago by accident when I was playing synths that this was Canon's chords.
How I'd missed it for years I don't know.
I mean, when the Farm's "All together now" came out, I spotted that instantly. When the Pet Shop Boys covered "Go West", same.
But this one escaped me.
Well done generations before - to have it messed up for them, hope You took advantage of it...
It's the hook that brings you back...
On that, you can rely.
take for example, the american college system
Freaking love
Pachelbel's ingenious canon that he wrote
It's so good
It's amazing and I love to hear it now
And again
I just wanna play on loop and hear it go
So you know
There's a reason it's so famous don't you see?