It's All An Act.
While there are folks out there who have done well for themselves and ended up with the kinds of financial portfolios where they can afford the plastic surgery outings, the frequent European vacations, and the boats that come with the multi-decade-long loan lifecycles, there are also plenty of people that are completely fine with burying themselves in a deep hole of debt that won't see the light for what could be as long as they carelessly walk this wild earth.
This Reddit thread-inspired piece takes a look at what some of those purchases are.