Comment Re:Negotiating when desperate (Score 1) 583
Whilst the proliferation of easy credit shoulders a lot of the blame, a significant amount still falls onto the shoulders of the credit addled. They could say "no" when the bank offers them an easy loan. They could say "no" I dont need an expensive car. They could say "no" to credit and pay cash/debit at the store.
They could say "no" to credit, live miserly, and then get in debt anyway due to, say, medical bills. Or they could use credit and at least have good memories on their deathbed.