" One sign of these conditions is the ease with which people enter into debt and live contentedly with it. People are consciously living beyond their means in order to maintain the appearance of affluence. This is a product of wantonness: willingly falling headlong into debt in order to achieve a certain material standard of living. "

― Hamza Yusuf , Purification of the Heart: Signs, Symptoms and Cures of the Spiritual Diseases of the Heart