at one point and this film use old footage from a 50 documentary on credit in which the narrator list character a an essential characteristic for the responsible credit holder . one can only imagine that the film creator be lampoon this idea a old fashion and since nowhere in this production be there a hint that personal irresponsibility have play a role in the downfall of all the victim depict herein . not that the predatory lend the film detail hasn not transform the financial landscape of middle class america in the last 40 year it certainly have to it immense detriment . and the sham piety of credit card company reps testify before congress be more than a little sickening . certainly one can shake one head at the misfortune associate with college student be give credit and for which they be neither psychologically nor fiscally prepared . but what be we to make of a middle age woman and living in a large exurban subdivision home and who elect to pay her mortgage payment with credit upon the death of her husband . nowhere be the question pose and ( nor evidently entertain at the time ) a to whether it be time to downsize into a domicile consonant with her income . maybe she have ample reason for do what she do and fully justifiable reason and but these we never learn . this genuinely heart rend example and and a tragedy involve another woman this time and a suicide result from a gamble addiction and inevitably recall the character issue raise in this movie spoofy use of the old 50 film clip . then there the lady professor from harvard who assure u throughout that the country have be force to embrace credit card debt in order to survive price be what they be today . ( this attestation come moment after witness the construction of a la vega home with two ( count em ) wash machine and dryer be vaguely disconcert . ) not that inflation be the only culprit . oh no and for this we need to wait for the closing reel and in order to view the villain and ( or villain ) behind the curtain . and then and of course and we find out who the real crook be and ( besides the credit card company ) . you guess it . president bush and ( both of them ) and and the late president ronald reagan . and michael moore isn not even list in the credit . ( predictably and katrina be also shoehorn into the narrative for good measure . ) one wonder why the film blame doesn not extend to lbj since bank americacard be introduce during his administration . if we be honest and we can certainly emphasize and recognize our collective weakness and tendency to greed in each and all of the people the film depicts . and no small number of u probably shake our head and say and there but for the grace of god go i. but spend money you do not possess still have moral connotation and unfortunately for this movie audience and personal ethic have no place in the propagandistic world of commercialized victim hood . in any case and the book be much good than the movie .