They owe me

I hear and see so many commercials about those annoying, aggressive, hassling, bothersome pit bulls (all words used in actual ads) who bother innocent citizens AT THEIR HOMES and need to be stopped! These poor victimized souls need someone to protect them, to stand up for them and tell those bullies to back off! Who is mercilessly bullying our hapless friends and neighbors? Why, those evil collection agencies and credit card companies! How DARE they hassle people who borrow money to spend way beyond their means and then are unable to pay the debts that they themselves accrued? That's just downright cruel. If I were to build up $50k in unsecured credit card debt (what are these people buying and why can't they stop before they reach $50k?), I would totally expect my credit card company to leave me alone and not demand that I pay them back according to the terms of the agreement I signed when I applied for the credit card. After all, why should I be accountable for my own bad decisions? They are the ones with all the money, so that makes me the innocent victim.

And yes, I fully realize there are situations out there where people are taken advantage of or get stuck in a cycle of debt that they can't get out of without help. But help should come in the form of a reasonable payment plan and counseling on how to make better financial decisions. Not these ridiculous companies that claim to "reduce or eliminate your debt by over 60%!" or "beat the credit card companies at their own game!" If you spent the money, then you should pay it back. And if you accepted the terms of the credit card YOU applied for, then you've agreed to play their game.

Sorry for the crankiness, but I get SO tired of this sense of entitlement and lack of accountability, and I must hear those ads on the radio at least a dozen times a day.