[Excuse_My_Bellicosity]

I agree with the article that at least one cause of the problem is that credit is so easy to get. A guy who makes minimum wage can live his life on credit cards for quite a while.

In the last few years, I've seen a few of my neighbors who have 7-Eleven-type jobs having big screen TVs and new furniture delivered to the house. Credit cards are a means to instant gratification but can really bite you later.

[Excuse_My_Bellicosity]

I agree with the article that at least one cause of the problem is that credit is so easy to get.

I should probably rephrase that. What I really meant is that credit has gotten easier to get for people who choose to be irresponsible with it (emphasis on people who are irresponsible). It's a lot easier for them to dig themselves a hole now.