Do you know what really grinds my gears?

If you listen to satellite radio at all, you've no doubt hear the following introduction:

"Are you drowning in more than $10,000 in credit card debt!?!"

The commercial goes on to blab about how their credit counsellors can work with you to restructure your debt so that you're paying 'pennies on the dollar'

What kind of crap is this!?! I dutifully pay all my bills, stay on top of my credit situation and you're gonna swoop in at the last second and only pay 'pennies on the dollar'? That's a bunch of garbage. You were the dumb-ass that bought more stuff than you had the money to pay for. You should get stuck with the whole bill.

And don't give me that nonsense about not having the money for necessities. If your situation is desperate enough that you don't have money for necessities, then you should be looking for help THEN, not after racking up $10,000 or more on a credit card.

And then there's the jerk-offs that want to help you secure business credit, so you can incur even more debt, after you've exhausted your personal options. How irresponsible is that? You can't get a bank to lend you any money on your own name, so you'll create a corporation so you can get access to even more money you're never paying back.

Christ do I hate irresponsibility.