Debt and procrastination are the same at the most fundamental level: they both reduce or remove your opportunity to choose.
You make one choice at the beginning: to charge something or to put off doing a task, and as time goes on, the opportunity to choose becomes less and less yours.
You are stuck paying a minimum payment on your credit card . Your options for housing, transportation, and even jobs can often end up being decided for you based on your debt.
If you put off doing a task too long it usually doesn’t go away. You just reach the point at which you have no choice but to stay up all night and get it done.
There was a point though, remember, when the choice was still in your hands.