Who is saving money here? Responsible households, or irresponsible households? Who misses credit card payments? Responsible people? > All the government is do

Who is saving money here? Responsible households, or irresponsible households? Who misses credit card payments? Responsible people? > All the government is doing is simply reducing the fees. Wrong. The government is reducing the consequences of being financially irresponsible. When something has less negative consequences, can we expect to get more or less of it?