Goodness graceous me. That's a very bad way of going about. Eventually someone is going to pay.
I can put my own case, for example. My parents always taught me: "never, ever, spend more than you earn and put some money away". I recently went to my bank to get a mortgage on an investment property. Due to the deposit, my credit rating, value of our house as collateral, etc., I got the loan with the condition that I pay it off before retirement age. Now, that's going to cause me and my wife to struggle to make the payments, but we'll manage. Only just.
After that the same bank offered me a loan on buying a new, expensive vehicle. A vehicle I can not afford at all. Even without the loan for the house.
If I took out that loan, our children would never inherent anything. Not even a sofa. So, someone has to pay...
Edited by Pressie, : No reason given.