The holidays often bring an increase in overspending and overindulging, which can be tough when nearly 22% of U.S. adults report binge drinking in the past month and the average household carries more than $10,950 in credit card debt. To take a lighthearted look at where certain costly or risky behaviors are more common, the personal-finance company WalletHub released its annual “Most and Least Sinful Cities in the U.S.” report.