i want to learn about the credit industry a very important industry that give u the ability to buy home and education among many other thing . our access to capital be what differentiate u from third world country that be not as well develop . muhammed yunus have recognize this and win a nobel peace price for his micro finance program . there be negative to the industry as well but the movie doesn not intelligently lay out any case it just try to get you to engage emotionally instead of engage in any type of critical thinking . what cause these people to get into debt . a message of personal responsibility be merely skate over . there be a few fact that be good to know and but many others be horribly inaccurate or half truth . i will not cite any for fear of be a spoiler but be chomp at the bit to do so . many people need education in credit or finance and it would be fabulous to have class in high school to show how to use credit wisely ( along with personal finance ) . hopefully a naive well mean teacher doesn not use this movie to do the job .