OK, so you wake up from a long drunken bender and discover that you burned through every bit of your money, raided your retirement savings and maxed out all your credit cards with debts your grandchildren will be paying for the rest of their lives. What do you do?

A) Stop spending, pay off your debts and figure out some way to never go on a drunken bender again where you spend all of your money and sentence your grandchildren to the modern day debtor’s prison.

B) Keep spending money you don’t have, apply for new credit cards and don’t do anything that would keep this from happening again for fear that it might make the credit card companies nervous about your financial stability...