[to3m]

The people I know who've come a cropper due to personal debt have ended up that way because they made poor financial decisions. It's a touching story, the one where people are forced into spending on their credit card because of INSERT PERSONAL TRAGEDY HERE and it spirals out of control from there. I shan't say it never happens, just that it is not something that jibes with my experience. The people I've known with debt problems just like to spend money that they don't have, because they want to own things that they can't afford. Then they complain of the injustice when repayment falls due.

Perhaps my experience is different from that of most other people. It is certainly possible. But I don't claim to speak for everybody, only for myself, and I speak based on my experience. And, based on my experiences, and speaking only for myself, I can't help not caring to spend any of my money on complete strangers' debt problems. They have already spent enough of other people's money. It has to stop somewhere.