If you owe lots of people money, there is pressure to pay it all back. 

Buy a simpler car with cash, rather than a fancy one with debt. Get rid of credit cards. Shop more sensibly. Make a budget. This is a hustle but worth it.

1. When you get people to vote themselves money, that is a slippery slope into socialism, and that one has its issues for those that paid attention to history.
2. If I give you money, I made you a second-class dependent citizen. That makes them feel misera...

It states that we are overly optimistic about what we can hypothetically get done in a given day. So we overschedule and create further time debt.