What an amazing substitute for self discipline!
Well, I wonder what taxpayers will do with that free money they receive as a tax refund ( for being overwithheld) now that they won't have to use it to pay down debt.
For impulse buyers, yes. But sometimes people who have little choice when the car suddenly breaks down, or a plumbing problem crops up, or suddenly you have no heat, well, you don't always have $2K cash on hand. As for me, well, I always pay as much as I can (well, well over minimum due) to keep such debt as low as possible.