I have a theory: It’s compariable to the early days of credit cards. Suddenly you have this money you can spend, and you reason that you can put off worrying about it until later. Suddenly people think hey why should we pay the mortgage or the rent, let’s use that money for other things. Just like its credit. The next thing you know you’ve maxed out the card, gone six months without paying rent, and suddenly have this thing due.