And that's not problematic?

I'm from India, and in general, the Indian attitude towards money is "you only spend it if you have it" and even then, essentials came first and then money saved in a shoebox for a rainy day. There is no concept of borrowing money as a "personal loan" to afford a new MacBook or new Chrome wheels. In my very limited, east coast experience, this was not the attitude of the American poor.