There`s a big difference between people who have a low income and have to buy necessities or the odd supposed luxury on credit or weekly/monthly payments and those people who spend well above their earnings and get into debt just to show off or for one upmanship.
When I was young my Mum had 4 children, only my Dad`s basic wage and they were a rarity for the time because they had a mortgage on the house they`d paid £360 for.
We were clothed from weekly paid catalogues for things such as shoes and coats but Mum made everything else and knitted horrible itchy jumpers and cardigans and every item was passed down to younger siblings. I never got a brand new dress until I was 13 and when I outgrew my older sister.
For Christmas my Mum paid a small weekly amount into a local toy shop`s Christmas savings club and then just before Christmas she`d buy toys to the amount she`d saved with them. It was basically one item each and topped up with crayons, colouring book, selection box and a Christmas annual book.
Life got a bit easier for her financially as we all grew older and she was able to return to part time work but even then she cleaned a bank before it opened in the morning and cleaned an Insurance office after they closed at night. Back breaking work and I recall going with her one day and watching her on her knees polishing floors.
Eventually as we all became teenagers she knew she could leave us to take care of ourselves during the day, get ourselves off to school etc and be ok during school holidays so she got a full time job in a factory.
If she could see the tat sellers on Q and the customers who clamour for junk or tying themselves into huge monthly easy pays, she`d have a fit. Yes we`ve all had to use credit from time to time, broken washing machines, poorly cars, unexpected bills etc always seem to arrive at the wrong time but in my mind diamond rings, expensive clothes, gizmos and gadgets, overpriced skincare are luxuries not essentials and I begrudge nobody any of them IF they really can afford them after everything else is paid in their life.