And that's prohibited, precisely in order to avoid overconsumption. This is their new trick to skirt around the law.
You talked about CEGEPs and universities. In the Outaouais, we see this problem even in high schools as soon as people turn 18 and sometimes even before then. We have youngsters working 10 hours a week at McDonald's who qualify for a credit card and end up with debts of $1,500 or $2,000. Your life is really off to a great start if that's what you're taught to do!
I have one last question. I know that strictly speaking, education is a matter of provincial jurisdiction, and I don't want to get into that whole debate about compulsory religious education courses. However, if we must dedicate time to something, would it not be a good idea to think about what used to be taught in the old days, that is home economics?