Credit cards have been a scourge on society since the first charge plates were invented by department stores.
Abuse of credit cards and the debt incurred is nothing new, it’s been going on for decades. Blaming the government for that is just silly, you either live within your means or don’t. Sure, the government can and should crack down on predatory lending practices which is exactly what credit card companies are in the business of, but then again, capitalism, responsibility, and all that jazz.
I listened to my elders growing up and do not exceed my means. Fortunately, I have a good income, but it has not been easy dealing with the crap that comes along with that.
Long story short, I have no sympathy for those in CC debt. I have dealt with it among family members so have seen the absolutely devastating effects it can have on one’s life and future.