It wont change a thing. People will go no matter what and that includes extend their credit to get their "fix" You're not looking at this from the perspective of an addict.
lol, or they make choices about what's important to them. now maybe the people you know are living on credit but not everyone who does Disney is. My coworker is also a guitarist, he gives lessons twice a week on the side, he calls that his Disney slush fund. pretty easy, 2 hours after work on Tuesday and Thursday, 3 middle school kids learn chords. Many people actually know how to budget, we have a line item in our budget for vacations, every month just like a bill they drop a % of their income to vacations. vacation are important to them just like retirement fund and emergency fund.
My boss, great salary, drives a beat up 10 year old ford pickup, people tease her here because she's pretty far up the chain, she's pretty vocal about what she likes to do. Disney, her family goes down every year 10 days, stays at the Poly. cash, she doesn't need a new car nor a big house. they like to travel
Me, nope don't extend my credit but use my credit cards for absolutely everything. mortgage, utilities everything. AA and southwest visa, got enough points this year to pay for my r/t ticket to Greece and then I'll start racking up the points to earn 3 r/t tickets from Philly to Orlando next August. that's a savings of easy grand. so now that's lodging and transportation that pretty much will cost me nothing.
I think if you let go of the assumptions you'd be surprised at how people work in their "fixes"