People have to hit rock bottom, to feel the pain of bad decisions, so they don’t repeat those mistakes in the future and can feel compassion for those who have walked in their shoes. Think of it as a proverbial spanking. The sting is what we’ll remember every time we take out that credit card or struggle with a choice between paying a bill or doing something fun because the want wants to be appeased now.
A credit card spender gets a high from piling the debt on the card. She leaves fulfilled, but that fulfillment, that feeling better only lasts for a moment before she feels empty again.
I know because that was me, and hitting rock bottom helped me.