Buying the look of success on credit just means paying interest on a costume.

Borrowing to look successful inverts the whole thing. Instead of money arriving because of what you built, money leaves because of how you appear, and interest is the monthly fee for that illusion, charged long after anybody stopped noticing the shoes. The appearance is temporary and the payment schedule is not. It is the most expensive form of nothing on offer.

Watch for the first version of this in your own life: the car, the phone, the clothes you cannot pay for outright. Give yourself a rule now, before the offers start arriving, that you buy the look only with money you already have.