if you think that you are going to die soon
But what if you're wrong?
That is definitely a problem for those who want to plan on "going out" balls to the walls, and end up living a bit longer than expected.
On the other hand, debt seems to be the American way - even though such exorbitant debt status can only be sustained for so long before it might begin to cause considerable real and material problems of property and asset seizures (prematurely - or at least outside of the going out balls to the walls expectations).