A lot of people do these, i still remember when i was young, wild and free, i didnt do this kind of thing, i always use thise phrase "you only live once" so just do whatever i wanna do, and i end up with nothing, my saving is still the same and the money that i made every month is gone without knowing it LOL. I learned my lessons the hardest way, thoughI think this is because some people cannot differentiate between their need and their wants.