Mikes "summation".....
You can not spend your way to wealth...
I agree.
If you're in debt - and someone gives you some money - you have two choices. Pay off your debt - or spend it, and spend even more, on your credit card while you're at it. Choose the latter and the guy that gave you the money might get pissed and start making demands that you change your ways, or chooses to cut you off. At some point you either go bankrupt, or you make a deal with your creditors to take a haircut, and you wise up and eventually pay them off.