Psychologists suggest that to cure cruelty

According to the writer, some spenders use their credit cards

D) to buy elaborate gifts for their friends

1. 
   mostly for their essentials
   
2. 
   for bills which they are unable to pay in cash
   
3. 
   with results for which they are eventually sorry
   

2. The writer implies that the economizers

1. 
   spend more on the necessary things and less on entertainment
   
2. 
   have the best attitude to money
   
3. 
   give their children a better education
   
4. 
   are much better than other people
   

3. The writer states that

1. 
   we are being forced to become economizers because of the economic situation
   
2. 
   misers and spenders cause inflation problems
   
3. 
   we won't be able to survive the shortages in the future
   
4. 
   at a certain point in life it is necessary to economize