Today, a shopping pattern can be observed that a growing number of individuals utilise credit cards or bank loans without limitation to deal with personal debts that they can't afford. These consumers turn out to be so-called card debtors due to impulsive shopping and inappropriate use if credit cards and loans. For example, quite a few consumers own a lot of debts and even go bankrupt just because they unwisely/irrationally make excessive purchases such as luxuries or mansions that they are unable to pay for. In light of such a phenomenon, as a result, some economic experts argue that the government should enhance the criteria in an attempt to assist consumers reduce shopping desire and cut down on unnecessary expenditures so that those who are addicted to overconsumption can better manage their impulsive consumption, whilst others hold different/opposing views/beliefs.
in terms of individuals/as far as individuals are concerned,