The average credit card interest rate is 25%. Yes people shouldn’t borrow money they can’t pay back. However that doesn’t change the fact that interest rates on credit cards are wildly high and entrap people in a loop of only paying the interest off. Bankruptcy is their only hope of escape from that debt cycle.
You are adding more mass to your body, but you are also decreasing your body’s density. So this should in fact make you lighter on the surface of the earth.