Or: How consumers are screwing themselves by spending more than they can afford. Get over the victim mentality. You are responsible for your own actions. Just

Or: How consumers are screwing themselves by spending more than they can afford. Get over the victim mentality. You are responsible for your own actions. Just because the bank offers you credit doesn't mean you have to take up on the offer and use it. You know there are fees. Don't act surprised when you have to pay them. If my job was to keep people's money safe and give them access to it when they needed it, and they constantly withdrew more money than they put in, I would also demand some sort of compensation for their lack of discipline and economic rigidness.