From the day we are born, we are gently guided and persuaded into debt. There we are kept, paying off the interest but never the principal, until the day we die. In years past the U.S. was a manufacturing exporting empire equal to none for its middle class folks. Most of the citizens lived within their means fearing the sin of debt taught by their forefathers. Over time manufacturing was gradually relocated to foreign countries in order to take advantage of their cheaper labor force. This placed a financial strain on the middle class family causing many of the women to aquire jobs in order to supplement income loss. Meanwhile it was being realized that huge easy profits could be accrued by encouraging and providing a easy path to credit keeping the average citizen in debt. This massive profit idea of debt was expanded to every nook and cranny of the vast American economy. Even further extreme profits were found using leverage which required only a small amount of collateral to borrow large quantities of money, which was then loaned out at a higher rate to the average American with a decent credit rating. It's real simple folks. Keeping you in debt is their life blood. Your misery with a life of debt is their continued path to riches. You are the easy prey to them. They completely understand and realize that your addiction to credit is the exact same thing as a junky on crack cocaine. They know your habits and that you will borrow more money over time which insures your place in the cycle of debt to them. They influence congress to pass laws that restrict your passage to the bankruptcy courts which keeps you from defaulting on them. Their rich lifestyles must be preserved at all costs. It's simple in their minds. Keep the peasants drinking beer and paying their bills, while they cruise in the Bahamas drinking fine champagne. Your life will be long and miserable in this debt trap which provides long and luxurious lifestyles for other people you don't even know. The only question left is, when will you see this for what it is and do something about it? I can lead you to the information, but I can't make you think. It's your choice.