i will stipulate based on your representation that you have a higher breaking point than others. But you have a breaking point. And there but for the grace of God circumstances have not yet pushed you to it. But if that should ever happen God forbid, we will be waiting there to make a lot of additional money off you with this new bill, and MBNA et al will be there waiting to make more money off you with this new bill. And why should the law be changed so us lawyers and MBNA can make more money off you? You tell me.
You tell me why people shouldn't pay for their own obligations.
Yes, some people do need charity. But they should get only the charity we are willing to provide, not all of the charity they want. That's what they are doing by running up credit card bills and then defaulting.