I think there's some role for government in terms of financial education and financial literacy. I think we know that financial literacy among most average people is very low. People make poor decisions because they have a lack of education on financial issues. So there's a key role for government.
I think there's another role for government in terms of transparency. When you get your monthly statement, it should be clear. You should be told if you don't pay off your account or you pay your minimum balance, it will take so many months or years to eventually get out of debt. All these transparency issues are the role of government.
However, beyond that, I think it's very hard for government to tell people what to do with their own money and their own credit cards.