You're right that some people are hit hard by unforeseen circumstances like no medical coverage or being dropped by medical coverage after getting sick or being in accident (which is why I'm for universal single payer health care). You're wrong that most people get in trouble by accident. My wife works at a bank in loans and she sees the biggest crowd of sad sacks and whiners you ever met. MOST of them got into a tight spot through divorce, spending too much money, or making a bad business decision. Every one of them has a "it's not my fault" mentality, much like a prisoner who says his lawyer screwed him.
You might be right that the most judgmental are ones set up for life by mommy and daddy, but then there's up-by-thier-bootstraps guys like me who was thrown out of the house at 19 and made it through the grace of God and a Good Woman. The only thing my dad gave my was my grandpa's pickup truck when grandpa passed away and dad bought the farm. He only gave that to me when I had proven that I didn't need anything from him. I pay all my bills off every month.
to the OP -
Tell them to take responsibility for their lives and set up making payments. When people get out of bills through tricks, everyone else pays for them through higher costs.
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