According to George Ritzer,why Is Overspending a Public Issue

According to George Ritzer,why is overspending a public issue?

A) because people may accumulate credit cards and spend more than they can
Afford
B) because people's high level of debt contributes to bankruptcy,which can destabilize the economy
C) because a lack of savings can inhibit future economic growth
D) because the high level of debt contributes to the instability of the banking industry