I hope people just stop doing it just because they can. You can beat your head on the wall. Eat a can of Crisco 3 meals a day, followed by 8 donuts then smoke a few packs of cigarettes every day too. Its all legal and we all know it hurts, gets you fat, or causes health issues. We are all very free to do it.
We also know borrowing too much money or abusing credit cards gets us financially sick. There should not be a law against it. But, there should be no benefit on walking away from your obligations.
