Sure, its called paying your bills.
First off, they are wrong when they say 90% of bankruptcies are due to medical bills. They are not unless you count drug addiction, alcoholism, and gambling addiction as "medical".
Second thought: just tell them to go tear up their credit cards if they don't like the rules of the road. Nobody is forcing them to use credit cards.
That's the logical solution, but many people don't do this until they're over their head. There are people that actually make less per month than their bills-they really have no other option. Not that I am justifying their position, I'm not.