[Opinionated Blowhard]

That’s because most of them are besotted with Communist ideology. You don’t need a credit card if your attitude is “gimme gimme gimme and make someone else pay for it.”

[alephnull]

My brother-in-law is one of them. He’s declared bankruptcy twice and doesn’t feel the least bit of responsibility. He completely blames the lenders because they should have known he wouldn’t be able to pay them back.