Imagine you're half a million dollars in debt because you just bought a new house and you can barely pay your bills and keep up with the mortgage because your job as a security guard at the jewish community center only pay a few bucks an hour over minimum wage.
So you're that guy and you come home from work one day and your wife says to you "I just bought a $15,000 remote controlled telescope, I put in on your credit card. We can put the telescope in the back yard and tell the neighbors we're looking for dark matter, that way they'll think we're sophisticated and wealthy."
What would you do in that situation?