Right now, I have only my own personal experiences and observations, plus something a divorce lawyer once told me (that I’ll post last below).
Yes, men do like buying “big toys” like cars, for example. I don’t know how they go into debt cheating, but they do. (Sometimes they cheat with multiple women at the same time, or they hire prostitutes.)
A lawyer once told me that he represented a husband who argued that the wife should pay half his credit card debt. The husband claimed he used the credit card for family necessities. The wife didn’t believe him. As it turned out, the husband actually used the credit card to buy breast implants for his mistress. lol So, you see, yes, men sometimes fall deep in debt by cheating.
In a country of 330 million, I wouldn’t doubt ANY anecdote. 0.01% is 330 bat sh!t crazy people. I’m trying to get at what is common. You can’t or at least shouldn’t make laws off not very common anecdotes. I have no problem with guys like the one you describe taking it on the chin to at least a large degree.