WHEN IT COMES to the finances of American consumers, the viral videos produced by Caleb Hammer, a personal-finance social-media star, provide some cause for concern. His “financial audits” of debt-laden guests have amassed almost 2m followers on TikTok and YouTube in less than three years. Mr Hammer’s interviewees—typically young and foolish—scramble to justify their wild borrowing habits, to their interviewer’s growing ire.