I have seen enough low-impulse-control NPCs forced to disclose their real spending habits to realize they see ''avaliable credit'' and and think it means ''avaliable money to spend''.

And at some point their minimum monthly payments / interests become so large they have to file for bankrupcy, but not before paying alot more in interests than the original debt they took.

A banker's dream come true.

I have seen enough low-impulse-control NPCs forced to disclose their real spending habits to realize they see ''avaliable credit'' and and think it means ''avaliable money to spend''.

And at some point their minimum monthly payments / interests become so large they have to file for bankrupcy, but not before paying alot more in interests and the original debt they took.

A banker's dream come true.

I have seen enough low-impulse-control NPCs forced to disclose their real spending habits to realize they see ''avaliable credit'' and and think it means ''avaliable money to spend''.