Unfortunately there is a growing trend in the US to blame someone else for our own mistakes or bad decisions.
If you build your house on the beach and it gets blown over by a hurricane, FEMA will take care of rebuilding it.
If you eat too much, some nice trial lawyer will be happy to sue McDonalds or Ben & Jerrys for making high fat food that you decided to eat too much of.
If you smoke, it was the tobacco makers fault and theres billions to be made on those class action lawsuits.
And on and on it goes.
There seems to be a growing trend in the financial field to blame lenders for the terrible plight too many borrowers are in. After all they had the gall to market a product, credit, that they wanted you to use so they could make money.
They bombard college students from the first day of school with credit card offers.
They send you unsolicited offers of new credit in the mail.
They allow you to carry 5, 6 or more different credit cards with cumulative credit limits well above your ability to repay.
And of course there are the easy repayment terms that will stretch you debt out indefinitely.
But, just...
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