> This article really just emphasizes the fact that we are living in an age of complete lack of personal responsibility and self-control, I'm not in the age gr

> This article really just emphasizes the fact that we are living in an age of complete lack of personal responsibility and self-control, I'm not in the age group the article is talking about, but... not having a card in my pocket that lets me spend money I don't have is my exercise of self-control. Your attitude is so strange. The way I control credit card debt is by not having a credit card. That is the self-control you're lamenting the lack of.