This is a MASSIVE one. Understand with every high-sugar food, every complaint, every inhalation of cigarette smoke, and everything you do on a routine basis is charged to live's credit card.
And what happens towards the end of life? Or maybe even when you're 30/40/50 years old? You're going to have to start paying back some of that debt, and that debt can show up as diabetes, cancer, bankruptcy, dementia, and all other things that affect us.