That credit cards, and the whole gamut of lenders, can do the things they have been doing, to everyone's ruin, is wrong. It is not merely unfortunate, nor unfair, but immoral, amoral, and capitalism in its crudest, egregious form. How such behavior can possibly be considered a free market is euphemistic at best.
A free market could be mistakenly defined, in finer print, as one that takes advantage of the poorest and [those who are] the hardest working for the lowest wages: that is capitalism at its worst. If that is free trade, then give me something BETTER than that. A free market would be one that considers all the rational and positive facets of the word "free": free to trade, free to live, free from illicit deception, etc. Free market ought not be defined as one party is free to do any damned thing they please no matter the result on others (including, as in the recent financial disaster, the results that impact all others).
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