so what happens when you're out of kidneys?Time value of money. You can buy what you want on now, then spend the rest of your money on hookers and blow for a month. As long as you pay off your credit card at the end of the month, say, by selling a kidney, everyone wins.
it's people like you who caused the whole credit crisis with your unsustainable financial plans. that's why i pay my bills by donating to the local sperm bank. it's like solar power, not always there when you need it, but unless something disastrous happens, you can count on it to be back soon.
good luck growing another kidney though.