Carelessness

The danger with abstraction is that it blinds you to the dangers of over-spending.
You are seduced into spending money you do not have.

This process is not an accident.
 It has been cynically planned and implemented by financiers of various kinds.
Everyone wants a piece of the action.
You are the 'mark'.
These massive companies want a piece of your money.

Through your carelessness, and the process of abstraction, you have been distanced from the reality of your finances.

When your house is re-possessed, you realise that numerical abstraction may have hidden the reality from you - but reality cannot be ignored.
Crippling debt is the outcome of confusing the menu with the food.