8th May 2004, 1:45 PM
If you're dumb, sure. But my point also is that most people are DUMB. Note how many people in this nation have big credit card debt! 'Paying just the minimum isn't that bad, I'm still making payments... it'll be paid off within the millenium, I guess. Good enough for me!' turns sometimes into missing... sure it's stupid, but if you don't see the physical bills going away it's more of a abstract issue than when you're actually spending money.