This article examines the emotional and psychological underpinnings of over-indulgence and consumption behaviour beyond financial capabilities and means, resulting in mental health problems. Research is explored analysing the effectiveness of Person-centred Therapy (PCT), Cognitive Behaviour Therapy (CBT) techniques and Psychodynamic concepts to determine behaviour patterns and identify strengths and weaknesses in therapeutic treatments. The findings show Person centred, non-directive theories may struggle when exploring and interrogating the facts and figures of a debt situation but suggests a role for an integrated approach including PCT, Motivational Interviewing and CBT as a viable and collaborative option, however further research is recommended. An exploration of psychodynamic theories is given, with an analysis of greed, envy, paranoid phantasies and persecutory anxiety, identifying a dual complex theory for treatment of addictive and impulsive disorders. A greater focus on dual complex phenomena is advocated, as this could produce pertinent findings which account for treatment resistance in impulsive and addictive disorders, in an attempt to identify a workable, future psychological model.
Keywords: Socioeconomics, Consumerism, Phantasy, Greed, Cognitive Behaviour Therapy, Personcentred Therapy.
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