True, but if so few people have trouble with them, why do we have big debt consolidation firms and payday lenders and all these other things that indicate that most people get in trouble with loans? At least from personal experience, everybody I know has gotten into trouble with cards, and most of the people I know are generally middle class. There was a time when I probably would have gotten in trouble with them as well, had I not put my foot down and said that I wasn’t going to live that way. But again, from personal experience, most people aren’t nearly as controlled in decision making as i am.