Yup, it's a mug's game and no mistake, but a huge number of people play and play and play, skilfully and cynically manipulated into doing so by the powers-that-be who treat them like the sheep they are, made to be shorn
And to return to the theme of the thread, many of these airhead borrowers no doubt wear PVCs out clubbing, blindly influenced by pictures of celebrities in glossy magazines.
Original thought is rare these days.