You could say that people who get enslaved in credit card debt have no financial sense and its their own fault. This film, however, shows clearly and informatively how big business and government cooperate to encourage senseless financial behavior, to the profit of the rich and loss of everyone else. It articulates well the observation of mine and many others that our society is quickly heading toward feudalism. I thought this film was much better than another current production, "Maxed Out", because it presents a comprehensive and complete picture of the situation doesn't attempt to be a drama. Everyone who spends money in the US should watch this.