[xcklo]

I don't like debt, but I think it is hard to dismiss people's decisions when debt seems to be the basis for the modern economy. A significant part of those who promote "financial responsibility" seem to already enjoy some wealth or decent opportunities. While the rest of us get to choose between life-as-a-service or a limited quality of life. Actually, not going into debt have in many locations unfortunately been one of the most costly decisions someone could make in the last 10 years. Which doesn't mean that it will be in the future, but with that in mind it is hard to join you in your opinion.