You shouldn't get into massive debt.
Keisha really wants a Peleton Bike, but she can't afford it at the moment.
Keisha wants to buy a Peleton Bike.
Keisha saves up her money and buys the bike in the future.
Keisha decides to buy the bike with her credit card.
Keisha is in a better place financially, and she's happy with her purchase.
Keisha doesn't have enough money to pay off her credit card debt.