[matheusmoreira]

They can't not give credit to people. If they stop doing that, consumption grinds to a halt and thus the economy grinds to a halt. Governments the world over will literally forgive debts, bail out the banks, whatever it takes if the situation gets bad enough. They prefer that to just letting people deal with the consequences. I feel like a sucker paying all these bills. I'm not sociopathic enough to take advantage because that's not the way my father raised me. The feeling never goes away though.