Some commentators argue that a more subtle approach should be taken to evaluating the extent to which debt is a problem by considering whether any benefit gained from incurring the debt ceases before the debt is paid off (see Wright, 2007). For example, someone borrowing money on a credit card to pay for a luxury holiday arguably ceases to benefit fairly quickly while paying off the loan. In contrast, someone who borrows money on a credit card to pay for a new energy efficient boiler or home insulation arguably continues to benefit from reduced heating bills, while paying off the debt. However, this approach to evaluating the duration of debt is not, as yet, generally used.