With finances you always have to sit down and do the math, which could be already a fair ammount of work.<p>I think that this situation happens in part for the "moral"restrictions, in part for the credit rating, but also because of the effect that once that you invested a certain ammount of money in something, you keep pouring money on it even when its not good for you.( the famous throwing good money after bad money)<p>"i have already commited to buying this house, and pay this much already, so i might as well put more".<p>Im sure many of the readers here have put money into fixing their computer several times before acknowledging that to buy a new one would be cheaper :).