Learning hard lessons - Time to put a brake on car debt spiral?

It suggests that everything has been decided by a higher power and that we are just bit players in a divine comedy. Grand, freeing work if you can get it.
In a world where despair seems to lurk around almost every corner that doctrine can offer attractive options. However, anyone seduced by it will struggle to live a modestly secure life because it suggests we do not need to learn from our mistakes so we might not repeat them.