Recent headline: “Consumers struggle to escape debt trap.” It is this sort of mendacious propaganda that allows people like me to avoid taking responsibility for anything at all.
“Honey, there are some men at the door.”
“What do they want?”
“The car, the dishwasher, the deep freeze …”
“Quick! Call the police!”
“They are the police. Repo men from the sheriff’s office.”
“Hell, officers. I might have missed a few repayments, but it’s not my fault. I walked slap-bang into a debt trap. It says so, right here in the paper. They wouldn’t print it if it wasn’t true. I’m the one who should be laying charges.”
Stop it at once. You were not trapped. A trap is when your girlfriend gets one of her buddies, whom you have never met, to rub up against you when you’re out with the boys. (Sure, it’s entrapment. But it’s hard to sound indignant when you’re choking on your own blood.)
What you did was your own damn fault. You got a bunch of credit cards and went out and bought lots of shiny stuff on HP. But once it was parked in the garage or scattered around the heavily mortgaged house, there seemed little point in throwing more money away. After all, possession is nine-tenths of the law, right? Yes, it is. But only if you live with a wolf pack. Do you live with a wolf pack? No, you don’t. You may think you do, but that hairy brute slouched in the corner slobbering and growling in its sleep is your husband.
Perhaps you are like Krazy Karli. She thinks an overdraft facility is free money the bank provides to preferred clients. I try to explain, calmly and quietly, as one would to a mad person, why it wouldn’t be a good idea to go to Zanzibar on the overdraft. She simply doesn’t get it, and it is often easier to shout, “Because it’s a hotbed of radical Islamic fundamentalism, that’s why!”
A shocking 10000 people apply for debt counseling every month. What the hell is debt counseling?