Obviously you're a responsible person. No argument on that -- but I do think a lot of people are having a hard time. No statistics to back it up, but a certain percentage probably got themselves into the jam and a certain percentage were victims of circumstance.
No doubt about it, there are legitimate situations for bankruptcy and I don't begrudge anyone in that situation for seeking relief at all.
But then I read the stories of someone like our fellow freeper here who is plodding ahead through a difficult patch in life, keeping his chin up and taking his lumps, and it makes me mad to think other people abuse the system.
And the system abuse is not just aggravating. It has real economic and social consequences.