Reply #111: Don't blame the credit card companies for your inability to restrain yourself.

[Hamlette]

It's like blaming McDonalds for being fat or Winston for smoking.

I don't have much sympathy for young people who run up credit card debt buying crap they don't need.

As to the bankruptcy bills, who do you think pays for those debts discharged in bankruptcy? (Hint: you, me.)

I recognize that many innocent people get caught up in debt out of need but excusing debt is not the answer. The true problem is we are a greedy lot and consumerism reigns. And the greedy lot wanting to excuse the debts they ran up because they HAD to have that new iPod/cell phone, hurt the poor the most. The laws get written to hold consumer addicted people accountable and the truly needy get screwed. The laws would not be so harsh if the aim was protecting the innocent.

Direct your anger towards Madison Avenue.