The tidal wave of consumer debt accumulating from unchecked personal credit card debt threatens to overwhelm our nation even as the lenders themselves reap the benefits. Americans have grown addicted to spending without care for their own income and budgets are something our grandparents used to employ. As a nation, we have almost lost track of the notion of saving for the future - aside, of course, from the exceedingly wealthy who no longer bother with banks within the United States - and our economy suffers as a result.
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