The inability of cardholders to rein in their desire to shop until they drop is obviously the major reason for the massive debts, but by employing measures like giving away cards like they were candy and encouraging borrowing, banks are clearly accomplices in the card slave population explosion.
持卡人不知節制的過度消費固然是債臺高築的主因，但不可否認，銀行發卡浮濫、鼓勵借貸等措施，也是導致卡奴人數急遽上升的原因之一。