4-There is no question that individual consumers are responsibile for their behavior and looking out for themselves. They get themselves into the mess, but many lack the proper education or unduly influenced by advertising in the process. They spend more than they should, but not all the blame can necesessarily be placed on their shoulders. A good business example are the Rapid Refund checks offered by retailers like the Home Depot or tax preparers such as H&R Block. If you change the "convenience charge" to get this money to an APR it becomes astronomical--typically in the realm of 200% (see Perfectly Legal by David Cay Johnston, chapter 9) I firmly believe that this is very deceptive advertising on the parts of these companies (something that Fools would not jump at because we know better) but that we indirectly profit from it when we invest in these companies. I wouldn't change what the Fool is or what we do, but I thought it was an interesting observation about our situation.JK
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