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I hate the credit system in America, and I hate how by the time you've learned why it's so bad, it's usually too late to shovel yourself out of it. I hate how the government allows credit companies to get away with whatever they want while people who don't yet know any better get crushed under an avalanche of debt that they can never recover from. I hate how the credit industry, realizing that more and more people had discovered the bankruptcy reset that might give them a chance to fix it and start fresh without the crushing, smothering debt, paid off the government until they made bankruptcy not work that way anymore, so there's never a way out, all you can do is put it off and hope you can save up enough one day that you can make it stop, while somehow putting the kids through school. Isn't that nice of them? Oct 18 8:01 AM MST