I don't think it's becoming SC or something. Ang nature kasi ng tao is to have something now than later. Dyan papasok ang interest rates. Banks are willing to lend you money now. Most people are willing to pay the additional cost to have something now than later. Interest rates are so low right now dito sa Pinas. So everyone would rather get a loan and spend the money as opposed to saving it. Magkano ba time deposit ngayon? Less than 1% per year ata. Kung bumili ka ng bonds, masyado matagal bago naman makuha.