I think we really need to look at the characteristics.
For instance, I have a son who is 20 years old. As soon as he could apply for a credit card, he did so, because in time he wants to buy a car by having that. My husband is also into credit. He's in the business of selling cars. He's in the room right now, so I have to say my husband is here. Unless people have their credit established, you can't even buy a car.
Is there a way that we can educate our youth to make sure they know how to establish a credit history, and that they understand with credit that you have to pay the debt?