This is probably what Jef Bezos relied on when he gave people the Kindle. He offered them a door to spend on his site. Customers simply could not buy his Kindle and look at it. So they filled him with books from his site, which cost a lot of money, and which also went into his pocket. We have to admit to Jef is very smart.
Machine factories operate on the same principle. We give you the car in order to buy pieces from us, the car company.
So one way to save money and not to borrow is to spend less. Spendings can be cigarettes, alcohol, or coffee. When you buy coffee from the machine or from the store, you feel the need for a cigarette. One connects with the other. So the profiteers of human vices… take advantage.