Going in the hole for a snake to add to a collection is silly, yet people do it everyday. The only person I am in debt to for snakes is myself. I use money that I have that is not part of my emergency savings. Right now, I really want a female pied. Hell, I even have a nice male for it already. I could go out and buy one and not really have to worry, but I have decided that only my snakes will buy me snakes. After my initial large investment, I do not want to actually pull money out of my pockets to add anymore. But, heck, if I profit $2000 at a show why not spend a bit to reinvest? Or make a trade for the snake you can't live without.
Once the hobby becomes a financial strain, then it opens the door for the passion to be lost.