I hate to be a pragmatic realist, and I really hate to bring up what's wrong with everything in the world, but I think that there are a whole lot of Americans who just realized that buying what you can't pay for is going to get you in some serious doo-doo. At least they should have realized that, probably didn't. I like to try to apply situations like this to my own job. I work in a restaurant. If someone asked me to make half of their meal, then wait to make the other half until they had more money, I'd take them on a quick tour of the several exits and ask them which one they would like to use.