Even though using credit cards inadvertently incurs debt on the user, no one is really forcing anyone to go in for credit cards, I rather use my debit cards for all my transactions and those who use credit cards since they are not using their real money, they don't seem to care that's until they start to pay back and that's when the cry foul saying the system is rigged and that banks are evil .
I agree that those people are incredibly irresponsible and that they are completely at fault. It personally doesn't affect me either what those in debt experience.
However, I feel that it is too harsh to not give people some safety net from the people with power that knowingly destroy people's lives for their benefit.
Sure it is their responsibility, but let's not allow strong to pray on the weak to the point that there is no coming back and at no cost of the ones that knowingly put them in such position. If we won't give those people a second chance to get out of debt, we should at least have some punishment for the ones that pushed them there. After all, it is far from honest and fair behavior.