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Credit card companies should not be blamed for a person's irresponsibility.

I hear all the time about the "evil" credit card companies, yet I don't hear much about the lack of responsibility people should have when using credit cards.  You are using money you do not have (in most cases) to purchase something, yet most people seem to think that they can spend their way to a $50k debt and that the comapanies will just let them go off easy.  Personal responsibility just seems to have been taken to the backburner these days.  Of course, the credit card companies do things that seem unfair as well, but I don't see why people that get themselves into large amounts of debt through irresponsibility shouldn't be put under the same amount of scrutiny that credit card companies do.

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