Don't know where you got your numbers from but in fact...
Fewer than half of adult credit cardholders (47%) carried a balance on a credit card for at least one month in the past year, according to a May 2024 Federal Reserve study. Job No. 1 for anyone with a credit card is to pay off that balance in full at the end of each month.
Meaning 55% pays the total amount each month in USA
As credit cards are the most popular form of payment in Canada, it's not surprising that as of May 2023, the total credit card debt in Canada was $96.9 billion, and 42% of Canadians have credit card debts that are not paid off.
Meaning 58% pays the total amount each month in Canada.
I know it is common those days to claim the situation is dark and darker but it doesn't reflect realty.
Paying for sex industry is not more dommageable than paying for a luxury house or a big car that one can't afford. As long as the bills fit the money income, not much problems. To each to decide where it is best to spend his money.
Some have extra money after paying the bills and saving for the future and spend little or not at all on SP. Other have no savings, hardly pay their bills accumulating debt and are still spending too much on SP. For those, big problems will come for sure.