Impact is a type of Contact. Contact is related to Call. Call is related to Use. 
Shopping can cause/lead to Bankruptcy. Shopping can cause/lead to Debt. Debt is related to Owe. Person does not want (to) Owe. 
Impact --IsA--> Contact <--RelatedTo--> Call <--RelatedTo--> Use 
Bankruptcy <--Causes-- Shopping --Causes--> Debt <--RelatedTo--> Owe <--NotDesires-- Person 