Is this sensible?

I opened the mail tonight to find that my friendly bank was offering me a $44,000 unsecured loan - just call this number now, and the money is yours!

I don't really get the bank's thinking behind this marketing campaign. The way my brain works, I think of things that I want, or want to do, then go and earn the money to do them.

If I won a million dollars in Lotto tomorrow night, I honestly have little idea what I would do with it, apart from going skiing once it starts snowing. What on earth would I do with $44k of fresh debt?

My needs drive me to earn or borrow money. Borrowed money does not generate new needs that require additional expenditure.

And we wonder why average household indebtedness is now 150% of annual income.