What if I liked to make my female character as funny as possible because that’s what I find attractive, Is that objectifying them? What if I made them red headed for that reason, is that objectifying them? Objectifying is to treat a woman like an object. Liking a particular type of woman is your preference, not an objectification of women.
The average credit card interest rate is 25%. Yes people shouldn’t borrow money they can’t pay back. However that doesn’t change the fact that interest rates on credit cards are wildly high and entrap people in a loop of only paying the interest off. Bankruptcy is their only hope of escape from that debt cycle.