Bad ways to spend a tax refund

I’m writing an article for “U.S. News & World Report” about the worst ways to spend a tax refund. If you’re a financial advisor, accountant or something along those lines, and you’ve seen clients spend tax refunds in seriously unadvisable ways and can share the details (without naming anyone, of course), I’d be interested to hear what you’ve seen. And if anyone reading this has spent a tax refund in a bad way, and you’d like to share, obviously, happy to hear from you as well.