[Vipergrün]

Morality lessons? Maybe we should refer to it as being responsible. So, if I go out, rack up a million bucks in debt, I should just file for bankrupcy and pass along the associated costs to my fellow consumers? Someone DOES have to pay for these losses. Again, I believe we are, and have been living in a society where lenders will give cash, cars, and houses to just about anyone with a pulse. When this trend changes, I believe lenders will be much more stringent with their lending practices and a bankruptcy will hurt. And, yes, there should be social implications. I know of someone who filed for BK and continued to charge expenses, from TV's to expensive meals and drinks. That my friend is being socially irresponsible and taking advantage of the aforementioned "system".