I don't think there is anymore dumbing down of people anywhere but I might be wrong and probably am(are you listening B.O.). Maybe there was just a bunch of simpleminded dumbasses to begin with and this whole credit thing is a big bitch slap(pardon the language) to everone that thought credit=free cash.
I don't blame credit card companies at all. When you see a snake you avoid it with all the god given caution you can. That's how I approach the CC companies. I use them and they -try- to use me. If you're not smart enough to realize when you're being taken advantage of maybe you deserve what you get. Bit of a rant on this subject but it gets me going that way.
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"Those who can't remember the past are condemmed to repeat it".- George Santayana.
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