Very nice but it is written by a smoker/ex-smoker. It is natural for the article to have a more vaping-friendly tone. It would be nice to see a similar, and in my opinion, more pragmatic approach to the issue from non-smokers as well. The truth is usually somewhere in the middle.
As far as addictions go, it could be easily argued that "credit" is addictive and it can have a tremendously negative impact not only on those who engaged in the frivolous spending but on their families and those that lived within their means too. So, if a neighborhood has 50 houses and 10 are in foreclosure, this raises the HOA fees for the rest, reduces property values dramatically, creates the danger of squatting and usually those properties become an eyesore. 2nd hand credit concerns?