Wow, Americans sure are a smart bunch!  It's taken them only 50 or so years to realize that the banks are taking advantage of them when they if they charge like bulls, eh?  If nothing else, that ought to teach them a lesson about the intentions of their leaders and elites when they're being told to go charge, charge, charge, spend, spend, spend and don't worry about tomorrow cause the government will take care of you.  With very few exceptions (and those being people who lose their jobs, get ill or have enourmous hospital bills) I truly have no sympathy for these idiots - they're reaping what they've sowed!