The pleasant feelings you experience when you purchase the item are disconnected from the unpleasant or painful feelings of making the payment when you get the credit card statement. Credit card companies and lending institutions offer enticing opportunities for people to incur debt. 

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Imagine someone borrowing/renting your pristine car, valued at JA$10M, for a week. In the glove compartment is your clear transferable title. He backs out the driveway, waves and goes down the road, stops briefly, sticks a FOR SALE sign on the windshield and proceeds on his journey.

Contributed by David Weir.

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