What's going on? The 'Moonlight Clan' voluntarily took on debt to save money

Some young women around the age of 30 are trying to save money through loans, by applying for low interest consumer loans and transferring to fixed-term or large denomination certificates of deposit, in order to restrain their impulse to consume under repayment pressure. Although bearing the interest rate differential between deposits and loans, it helps to cultivate a saving habit and get rid of the moonlight state. They view moderate debt as a means of self-monitoring, emphasizing rational consumption and long-term planning, rather than encouraging excessive borrowing.