Wrt soda, and highly processed food, I think that FDA and similar agencies could make an effort to evaluate the consequences of prolonged consumption of such fo

Wrt soda, and highly processed food, I think that FDA and similar agencies could make an effort to evaluate the consequences of prolonged consumption of such food and figure out what quantities are safe. They could require proper labeling and not allow children to buy such foods (as with cigarettes and alcohol). For credit cards, maybe he meant that in some countries, where individuals cannot default, banks are comfortable taking too much risk and advertise credits aggressively. I have personally witnessed several victims of this (yes, people can be dumb). Wrt "car dealerships and (most) sales people", it is probably not affecting the individual so much, but if you look closer at "enterprise sales" and government spending, you will certainly notice some "interesting" practices. However, I think that this is a lot harder to solve than the other case above, because it is not so directly aimed at the masses.