yeah of course, im not arguin that there is too many dumbasses in america who take out student loans then drop out of school the first week, or take loans they know they wouldn't be able to pay back but want the money anyways, it does go both ways but some fault does go to these banks being too lenient and giving away loans to people without the credit to back it up, these days its alot harder to get alone, you need alot more credit and a show of income that gives you the means to be able to pay it back

but yeah, america does have people who are always going to take advantage of the system and spend money they don't have just because its there, so people need to wake up and realize this, cuz it seems the banks are already taking steps in the right direction, if only people could do the same

I have to strongly disagree. The PEOPLE have no say on inflation or intrest rates. The PEOPLE had no say in the actions of the BANKS who ran up the biggest bad debts in recorded history, and now , the PEOPLE are paying for the bad debts ran up by the BANKS who were "to big to fail" through increased taxs and reduced public spending.

Im not saying that if your smart you wont be able to make it through, never have, but why should the PEOPLE have to fight agenst the people managing THEIR economy. The people managing the economy should be working for and taking actions to benifit the majority of the citizins, not to benifit a few top insiders at the expense of the majority, which is happening today.