[garbanzo]

I think it's better for a person to pass through tests like this early in life.

Believe me this is good for you - you may not like it at the time, but you do learn how to put money away and stay out of debt as much as possible.

[man of Yosemite]

People are always looking for the easy way out of financial troubles. They consider moving back home to let their parents bail them out, and if their parents have money, they hope for a non-repayable loan. They are offered a variety of credit cards, one bank hoping to move their debt to their location in order to reap the interest money. None of these banks hope that you will pay off your debt. If you are out of debt, they lose. Then the offer of bankruptcy comes into play, offering people a way to erase all their debts. If they brought back debtors prisons, maybe people would learn to have a little more fiscal responsibility.