“There are some things that simply shouldn’t be bought on credit, whether it’s a 106 baht (S$4) bubble tea or a 50 baht plate of chicken rice,” Vitai told reporters at a recent press event in Bangkok. “We may have gone too far – when people start financing small purchases, it creates a habit of spending money they don’t have.”

— Governor Vitai Ratanakorn

Which "we" has gone too far? It sounds like he's blaming the public for how they respond to monetary policy.

The first rule of traditional personal finance is to keep a cash reserve. But "we" regressively punish that cash reserve, and justify it because we've deluded ourselves into thinking more GDP is good for the working class.