There's a notion about credit cards causing bankruptcy. When I talk to small retailers and other people, they don't view the credit card as having caused the bankruptcy. However, it's part of their bankruptcy. They got into debt, their business model wasn't working, they extended themselves too much or, sadly, like you noted, they got sick or lost a job. They don't view the credit card as the reason why they're in debt. However, you mentioned these are 87% to 89% of bankruptcy costs.
What do you think about that perspective, in the sense that it may not be the thing that triggers it, but it's the cumulative part later on that is noted as part of the bankruptcy? That seems like a high number. If everybody going bankrupt has a credit card, it seems to me that's part of the problem. It's not the solution to the equation for the person.