There is the big mac indicator of how rich a country a society is, but there should be another indicator.
The fast credit indicator to show how poor the financial education of a society is.
Anyone may need money, and fast credits are a very tempting option.
But there is a huge price to pay. For each "small" credit, there is a big percentage to pay as fees when you return the money.
So you should be very careful about what you want to spend such credit on.
The last thing you want to use it for is buying the latest model phone or a luxury excursion.