credit be a tool and a very powerful and potentially very dangerous one and and if you do not know how to use it and or can not use it correctly then do not . the producer want u to to feel sorry for these people who rack up debt and and then can not pay it . not only do i not feel sorry for them and i feel contempt because we the responsible consumer and stock holder of those company be the one who have to pay for it . what i find interesting be that the movie never talk about corporate debt . i wonder if the producer would have the same attitude when the situation be reverse . if a corporation float junk bond and then declare bankruptcy and be we to feel sorry for those stock holder that lose everything when the bond holder insist on repayment . why be the reverse situation not show a the corporation now be the victim . the answer be that it because this movie be liberal anti corporate propaganda . i agree there be predatory practice by these organization . the nickle and diming and usury be outrageous and but that because we a consumer let them get away with it . nobody hold a gun to our head when we sign up and or make purchase . we know the fee ( or at least should have read the paperwork ) . perhaps what this country need be debt licensing and where youre not allow to use debt ( much like you can not use a car ) until you have prove that you have a basic understanding of how to use it and the risk involve . then and i bet you the same people would complain about how the government be now take away our freedom ( to be irresponsible ) .