Even though variables, interactions, and influences in the model sound like they are created just for an individual, they are formed considering the average of all middle-income people in Turkey. In the model, individuals are assumed to pay their necessary spending by cash, and then all excessive spending is paid by credit card. Subsistence spending of people with middle income includes housing, eating, transportation spending. However, it should not be confused with minimum wage. Lastly, although credit card payments occur discretely in real life, from our macro perspective, which is necessary to build such a model, payments are assumed to be continuous.