I am a compulsive spender and never had the collateral to back up my habits - without help from my family. (my gran, God rest her, was an enabler)
My spending is making me mull over the possibility of joining several club lottos - for regional sports teams - with the hope I may strike lucky.
It's a mixture of autistic naïvety and bipolar spending patterns. (I was diagnosed with Schizophrenia - but am comorbid)