Missing even one payment can be a huge setback when trying to increase your credit score.
Rallying Chants are used to help re-focus the crowd after team has suffered a setback.
Chutes and Ladders: While the play may be simple, young and old players alike can benefit from reminders that every action has consequences and if you break the cookie jar, you will have to overcome the setback.
The important thing is to make sure that you are fully covered no matter what happens so that a setback does not halt your career entirely.
If relapse should happen, don't think you can't quit; it's just a temporary setback.