In January 2018, a graduate student at Wuhan University of Technology suddenly committed suicide.

Later investigation found that he owed a total of 50,000 yuan on 17 lending platforms during his lifetime. He was deeply in debt and unable to extricate himself, and finally embarked on a road of no return.

In May 2019, a 27-year-old assistant lawyer at a law firm in Zhuhai committed suicide by burning charcoal in her room. Afterwards, an investigation found that with a monthly salary of 3,000 yuan, she had overdrafted 870,000 yuan on online loans and credit cards.

This generation of young people did not encounter war, but they encountered the debt crisis. When a person falls into a debt crisis, he can no longer plan for the future from a long-term perspective.

Many people find it strange that young people owe so much money if they don’t buy a house or a car.

Let’s first look at a set of data. According to the “Payment Operations in the First Quarter of 2021” released by the Central Government, the total amount of credit overdue for more than six months nationwide has reached 89.2 billion. , half of the overdue people are born in the 1990s.

You must know that this number was only 8 billion yuan in 2011, and it has increased more than 10 times in just ten years.

There is even more jaw-dropping data. According to the "Debt Situation Report of Chinese Young People" released by Nielsen, the average debt of the contemporary generation born in the 1990s is 127,000 yuan, and the debt-to-income ratio has reached 1,850. This means that the total debt of the post-90s generation is 18.5 times their salary!

Absolute poverty is becoming a prominent symbol of this generation of young people.

What is more terrifying than poverty is that they have empty pockets on one side; on the other side, they are spending crazily and their loans are frequently overdue.

Behind all this lies four words: consumerism.

Pushing ordinary people into the abyss of consumerism was originally a common social phenomenon in capitalist countries, but now it is spreading crazily in our country.

In order to allow young people to overdraw their future in advance, interest groups with resources at their disposal have worked hard to create the "Three Steps of Consumption."

The first step is advertising brainwashing. The essence of consumerism is to create anxiety, using advertising to crazily incite people’s desire for immediate pleasure, and even associate consumption with family affection, love and filial piety. Emotionally tied together.

When a girl has her birthday, an advertisement selling bags will tell her that if your boyfriend doesn’t buy you a bag, then he doesn’t love you.

A package. The original function is to pack things when going out, and has no other uses.

But in merchants’ advertisements, a bag represents whether the other person loves you. With an expensive bag, you will be different from your friends. You can afford expensive bags, so Just superior.

It is this method of emotional binding that instills a lot of distorted consumption concepts into people, which ultimately leads people to embark on the road of no return of consumerism.

Not only bags, but also lipsticks, jewelry, sneakers, digital products, etc.

Every business is advertising to prove that their products are different and you must have them.

Many people find it strange that some people believe SX’s remarks?

You are too naive. The ancients said that "three people make a tiger".

If a false thing is told by more people and for a long time, some people will believe it to be true.

If all the friends around a girl have an expensive bag, then no matter how poor the girl is, she will use all her energy to buy a bag.

No one wants to lag behind others in interpersonal communication and hierarchize the socialization of goods. This is the advertising trap of consumerism.

The second step after advertising is to use big data to create a barrier.

This generation has been exposed to the Internet since childhood. Watching short videos, chatting on WeChat, and browsing Taobao have long become a part of their lives.

In the process of using these software, big data has already figured out their life trajectories.

Various APPs will deeply explore users’ consumption needs and continuously push them the products they want.

Whether it’s Moments, short videos, TV series, or even listening to a song, you can’t escape advertising push wherever you go.

This is the information cocoon in the Internet era. Big data will only push you what they want you to see. You are like the silkworm baby trapped in the cocoon and can never escape. Big data has drawn a cage for you.

Next is the final step of the consumption trap: the loan operation is simple

Loans were originally a lending business opened for a small number of people to deal with emergencies.

Note that the premise of the loan is to deal with emergencies.

Formal institutions have extremely strict control over the loan business. It is impossible for ordinary people to go to the bank for a loan if they want to buy a bag.

But online loans are different. Online loans do not require proof of employment and do not consider whether you have the ability to repay. All you need is an ID card and a mobile phone number, and the money will arrive at your fingertips.

The brilliance of online loan platforms is that even though they know that young people have no ability to repay, they still have families behind them to support them, so they all lend out the money with confidence.

Their parents will not ignore them anyway.

After three steps of advertising brainwashing, big data tracking and easy borrowing, this generation of young people have plunged into the trap of consumerism.

Japan has developed a culture of assisted dating due to rampant consumerism.

Japan’s four major lending companies continue to induce housewives and students to borrow money for consumption. At first, white-collar workers and housewives who could not repay their loans were forced to go through assisted dating. Later, it further extended to Japanese college students and high school students.

In 2015, some media conducted a statistics showing that the proportion of Japanese female students who had engaged in paid dating was as high as 13.

It is still the principle of "three people make a tiger" mentioned before. When more and more people started to pay for compensated dating, the public's understanding also changed. At first, everyone thought it was a shameful behavior. Later, when I gradually became involved, everyone began to think that this was just a helpless choice. The traditional sense of shame and morality has been subverted in this way.

After reading this, I believe you already understand how terrible consumerism is.

If you are a young person who has no debt yet, then never touch online loans, delete all the lending software on your mobile phone, and stay away from online loans forever.

If you are already in debt, you must learn to increase revenue and reduce expenditure from now on. If you can eat noodles that cost 10 yuan, don’t eat fast food that costs 20 yuan.

Don’t think about resting after get off work. Look for part-time jobs first. Even part-time jobs are more useful than lying in bed watching videos.

If it still doesn't work, ask your family for help and pay back all the money you owe as soon as possible. The most important thing is to get out of this abyss. Don't think this is embarrassing, you have to think clearly whether the temporary face is more important or your future life is more important.

If you are a parent with children, try to understand your child's financial situation. Don't think that your child has been obedient since he was a child and there will be no problems.

The debt situation of young people today is more serious than you think. Many people with debts of hundreds of thousands are considered good children in the eyes of their parents.

The last thing to remember is: Borrow money for a while, pay back the crematorium. Cherish life and stay away from borrowing.