Nicely put. After the last run-in with at+t's will to self destruction, anyone who could put money away. Personally, I'm good for about 6 months without touching credit (if I'm frugal). The core reality here is the way greedy American executives took down the world's economy for short-term profit, and their casual destruction of our economy's engine (the middle class) in the process. It was an embodiment of the philosophy of a locust swarm or a forest fire, and now we are in the aftermath. I find myself less than sympathetic when I'm told that I must become an endentured servant to pay for bad, greed-driven decisions- the color of my badge notwithstanding. If I were you, I'd be worried about the guys with red badges- they have more guns, and they lost their 401k's and their faith in the governement at the same time.