What’s the most financially irresponsible thing you’ve heard of in Ireland?

I was on Reddit the other day and somehow ended up in a subreddit about getting out of debt. Some American shared that one of their credit cards had a 63% interest rate, and I honestly couldn’t believe it. Isn’t that absolutely insane? On top of that a lot of people on the subreddit have MULTIPLE credit cards. I’m not shaming because I know there’s desperate circumstances too, but surely people in Ireland aren’t making financial decisions this wild? How bad / good is the financial literacy in Ireland? I know a lot of people don’t know about tax-free pension contributions (which is fair enough), and I know some folks take out car finance, but even that tops out around 12% APR, and you can get declined for loans . So, what’s the most financially irresponsible thing you’ve heard of that someone has done in Ireland? (Except for the obvious : the children’s hospital)