The answer to this is simple. DON'T PAY FOR LIFESTYLE WITH DEBT. The instant gratification culture that prevails today has caused a massive load of irresponsible borrowing for things that are unnecessary.
Someone has maxed out their credit cards and is whining about not being able to get out of debt? Too bad. So sad. Save instead of borrow to start with.
Save instead of borrow to start with. ....Save to use a credit card, get the rebates, use the rebates to pay off the card in a few months and come out ahead. Just like a part-time job.