It is amazing to me how people even as adults are just so infantilized. I mean, almost needing you to hold their hand doing something simple like f###### BUDGETING and explaining that that small credit card interest debt will blow up if you keep putting s### on it! I got a credit card pre qualified and it was at the "Low, low" rate of 33% APR!!!!!!!! And as it says, bare minimum payments will have you paying for 30 years. This is what happens when you help people too much. Like drug addicts