I remember starting grad school 20 years ago spending $1,400 on a little 1 piece Compaq Presario and thinking - "Good thing for credit cards or nobody could buy a computer." And then I realized - there will always be "the next big thing' in technology for people to spend money on. Bigger tvs. Even bigger tvs. Flat screen tvs. 3D tvs. Sony Walkmans, mp3 players, iPods, iPads, notebooks, Netbooks, cell phones, smart phones, dial-up, broadband. I'm not saying it's all for the worse, nor am I putting on my tinfoil hat, but I'm pretty sure theirs a good correlation between the explosion of consumer electronics and the explosion of credit card debt.