>"Feel sympathy for them?" Perhaps — yes&no. Yes [feel sympathy for them]: a system which allows you to roll over trade-in debt is `evil`. No ["he's an idiot

>"Feel sympathy for them?" Perhaps — yes&no. Yes [feel sympathy for them]: a system which allows you to roll over trade-in debt is `evil`. No ["he's an idiot American"]: a consumer who would roll over trade-in debt is `ill-informed`. Neither answer/scenario is optimal. One is less evil.