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At the same time, I also cannot agree with the repeated argument that students are adults, and therefore will be responsible with credit because they can go to war, drive a car, vote, etc. You don't go to war without boot camp, and you can't drive a car without passing a test that, at least, makes you aware of some dangers. No such training or testing is currently required, strongly encouraged, or even widely available when it comes to credit cards. As for voting, I know the United States Constitution better than most, and I do not recall a Constitutional guarantee of credit, while I do recall a few things about voting. For those of you that have done so, I am somewhat disgusted that you would equate the highest privilege, often referred to as “the right to vote,” with something like a credit card. You speak of those who may go to war. Do you think we ask them to do so for our Visa and Mastercard?

Nope we don't. But we do ask them to protect our freedom. One of which to have the right to decide for our self what, as an individual, we want to do with our lifes without a government looking over our shoulder. Being a Libertarian you should be all in favor of that.

...ignorance is the root disease here, so let's target that ignorance.
Being of the 'teach a man to fish' school you should know that you can teach him but you can't drag his behind out of bed and do it. So if he decides to sleep all day is it our duty to listen to him whine because he is hungry? I stand by the term 'lazy' as another one of the 'root' cause to 'whack'.

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