>Easy: they could expect to make more profits than the cost of interest. This is all anecdotal now. You took a semantic argument and you're running entirely t

>Easy: they could expect to make more profits than the cost of interest. This is all anecdotal now. You took a semantic argument and you're running entirely too far with it now. >In the absence of actual numbers, the journalist is simply jumping to conclusions by assuming everyone is unable to pay the debt. Which is a fair assumption. If you zero cash, and $15k in debt, you will not be able to pay your debt. If you have $10k in cash, and $15k in debt, you are insane not to pay off as much of that debt as you can with that $10k, because the interest will keep accruing every month. People who fail to understand these concepts likely already have a terrible credit rating because they lack the common sense to avoid making bad decisions with debt.