None of this would matter if I could just meet and marry a rich woman
I might die tomorrow. I don't mean that I think I'll die tomorrow, just that I might. In the same way that any of us might because the possibility of death exists for any and all of us and any given moment. Obviously some moments are more likely than others, but there's never a 0% chance of dying for anyone. At least not so far as I know.
And if tomorrow, something should happen that would bring about my death, but that death isn't instantaneous and instead I get a few minutes to think about my life before succumbing to whatever it is that's killing me, I'm gonna spend those moments very likely regretting a few things. And one of those big regrets will likely be whatever available credit remains on my credit cards.
I know when a person dies that creditors get to go after the estate to collect what they're owed. My estate should have more than enough to cover that. Not a lot more, but banks should get what they're owed. And since I don't have a wife or kids to worry about being taken care of when I pass, there's really no point in worrying about there being enough money for anyone. I also don't have to worry about anyone else taking on whatever debt I leave behind. At worst, my house that is currently set to go to next of kin by default would instead have to be sold to pay remaining debt.
So I'm pretty sure if I tomorrow I was hit by a car but had a few minutes of laying in the middle of the road dying, I'd be a bit peeved about not using my credit cards to have more a little more fun in life (most notably doing more traveling and buying more Magic cards).
On the other hand, I may not die tomorrow. I might even go on to live for a few more decades. And credit card debt is quite the burden to keep around. I should know, I'm still paying on some from long ago, as well as paying on a little more from some other somewhat recent ("recent" meaning within the last couple years) bad financial decisions. I often like to think I'm not as bad with credit cards as I once was, but I'm still far from good.
And who knows, maybe someday I do find a woman that I click with well enough for us to get married. I'm OK with taking a little debt into marriage, but I certainly wouldn't want it to be at the amount I have now. So I have to think, if I'm laying there not dying, do I really want to add to my debt for some temporary fun when that might end up creating a road block in a relationship in the future.
But even if marriage never happens, do I want to grow old counting pennies (or I guess nickels at this point) because I'm still paying off debt from years/decades ago? Do I want to get to a point where I'm constantly cycling between which credit card to use for emergencies because there's no money in my bank account and as an old person I undoubtedly have to go to the hospital a lot (even if it's only to hold up the pharmacy line)?
The above arguments literally happen in my head damn near daily. When I was drinking, the bad money decisions won out more often than not. I guess fortunately since getting sober I don't reach for the credit cards nearly as often. But even sober, there's the thought that I could die tomorrow and I should be allowing myself more fun now because of that.