That&#x27;s not how prices are set. Just because I can borrow $X thousand dollars on my credit doesn&#x27;t mean I go ahead and purchase all the big screen tvs and computers I want. Just because I can borrow $XX thousand to purchase a car doesn&#x27;t mean I&#x27;m driving around in a new mercedes. Just because I can borrow $X million to purchase a house doesn&#x27;t mean I will purchase real estate which will turn my net accrued savings to 0.<p>When people only think short-term (what&#x27;s can I afford monthly) vs. long-term (what will I pay out over the life of the loan vs. what I&#x27;m getting now) they make mistakes. These mistakes are self-inflicted but these people tend to then blame any and all others for why they can&#x27;t get ahead, why the system doesn&#x27;t work, why the American dream is dead :).