For a lot of people, the long intro rate gives them hope. Hope they can dig their way out of a hole or buy some time. Too often, they cannot.

But it is better to have a tool that lets you buy that time.

So the trouble is not so much with 0% APR offers. But - in many ways - with ourselves. And our ability to keep hope alive. And, sadly, our inability, to keep our spending in check and finances under control.

Of course, better jobs and pay would help ...