I think perhaps being seen as wealthy is just as important to some people, as actually being wealthy. Makes sense. If their only rationale for becoming wealthy is to appear so, then just taking out the loan for the shiny car; is a reasonable short-cut.
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Have you heard about "The Secret"?
It was popular a few years ago about visualizing the things you wanted in the future and lots of people would spend their time imagining themselves driving a fast car, living in a dream house etc. The problem is, the imagination is so powerful that once you imagine it well enough, your mind and body thinks it has already been achieved.
I feel a lot of our life is like that now. We sit down in front of a driving game or FPS and think we can race or go into battle. We watch a surf movie and feel like surfers, we read tweets and think we know about the world and we google answers an think we understand in practice.
There is no need to actually be something, just make it look like you are that thing, and the imagination will do the rest.
Exactly. We don't buy products for what they can do; we buy them for what they tell us about ourselves.
"I'm a guy who owns a Porsche".
If you can stay on top of that little voice telling you the bank still owns the Porsche, it's a valid substitute for actual wealth.
The secret downfall of "The Secret" -- EXACTLY!