Agreed. I honestly believe this is at least one of the reasons why individual debt in the U.S. is out of control. Managing your money is increasingly difficult

Agreed. I honestly believe this is at least one of the reasons why individual debt in the U.S. is out of control. Managing your money is increasingly difficult in the U.S., and while I understand the concept of personal responsibility, the pure amount of information, and sometimes lack thereof, can be overwhelming. There's never ever a what you see is what you get; there's always fine print and line-itemization, and it's rarely if ever in favor of the consumer.