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Debt that they can't afford. You can get approved generally for more debt than you can feasibly make payments on. Easier for a working class schmo to get approved for a $90K truck than a $500K house.
Who the fuck pays $90k for a truck?
Anybody willing to do that deserves it.
Lots of people. I don't get it either, but here we are.
Have you looked at the price of trucks lately?
Like a quarter of the US, lol
People assume they wouldn't be approved for a loan amount they couldn't afford
Not many people understand they the debt is sold to someone else and soon as you walk out the door