The availability of easy credit and very low repayment requirements has helped to create a generation of people who have been encouraged to buy whatever we want without having to save or wait for it.

From booking to print coupons and from the payment of water, electricity and gas to credit card repayments, the precision medias in this advertising 3.0 times gradually come into our lives.

"In the late 1970s and early '80s, most loans were for 36 months," Reed said.