Obama voters! Lazy, stupid, selfish, obnoxious, devoid of morals and values, etc.. I could go on and on...
Could be your next door neighbor, someone at church, lots of people who cannot find work and lack the ability to pay. It is not simply the "Obama voter". Many folks don't want to reveal their debt in conversation and put up quite a convincing front that "everything is a-okay". The rate of inflation is outpacing many people's raises (if they are even receiving a raise these past few years). I think you are paining with a narrow brush; this problem of debt is far larger than lots are talking about. As well, the folks who are "debt free" and have no credit cards will find their credit score in the tank. It just happened to me. I have been working on becoming debt free. I wanted to re-fi my home in an attempt to get out of debt faster. Well, guess what? I had not credit cards (revolving credit) and my score is in the tank. I chose to open "pre-paid" lines of credit that show up on my credit report as revolving credit; but if the money is not on the card, the card cannot be used! To me, it is almost like the "system" is designed to entrap people. I know many people use credit responsibly, but there are swaths that do not and they are trapped by 21%+ interest rates and making the minimum monthly payment. It can't go on forever.