text:  It's crazy, and people are struggling. Apparently, as far as travel goes, they're saying YOLO, and they're getting on airplanes. I have never been more convinced about this idea of doom spending, that everybody knows that it's all falling apart. The credit card debt is up. The defaults on credit card debt is up. None of this spending makes sense, but all that spending is on a credit card, so it makes perfect sense. This is a get it in now before it collapses. Now, that's a terrible thing to say.