I am thinking about this because of a childhood friend who was just diagnosed with Stage 4 Ovarian Cancer. She is the breadwinner of her household; her husband has never been much of an earner, but he is a spender. They are deeply in debt and I don't know if she will even be able to go back to work ever. On top of all the stress of this major, terrible illness, they now also have financial issues piling up. So, so sad on many different levels.
People always think, "I'll buy this now and will save up the money and pay it off later." But later might not come for them for a number of reasons.