It won't get rid of everything but I think it would help a lot. You'll max out a $2K limit way quicker than a $20K and you have a chance of recovering from that

It won't get rid of everything but I think it would help a lot. You'll max out a $2K limit way quicker than a $20K and you have a chance of recovering from that. I liken it to parenting. You can't take a stance that your kids make no mistakes as teenagers, the best lessons are learned the hard way. What you do want to do is make sure they make small mistakes so they can learn without ending up in jail, pregnant or on heroin.