She says, "Do you have any rubbers?" I say, I thought she was barren. "Sure, I'm sterile," she says, "but I've had unprotected sex with a million guys. I could have some terrible fatal disease." I say that would only be a problem if I wanted to live a lot longer. Fertility says, " That's how I feel about my giant credit card debt." So we have sex. If you could call it that.

In short, if you are using a shovel to dig yourself into a hole, a credit card company will be happy to give you a backhoe.