Difference is the credit company can revoke credit. Once you have a child it can not be revoked for 18 - 24 years (depending on the state). Thus the credit card company can only revoke your card and destroy your credit. The State can not revoke the child and thus you can be jailed if you fail to support your child to the best of your ability (as the state defines your ability).
Any state that regards a 24-year-old as a "child" is in for some serious social problems.
Its not the credit I'm focusing on, its the debt. The credit is theirs to extend, the debt is yours to repay. My point was using that test, many people prior or during bankruptcy CAN make their payments. So if that is the test to get around constitution and put child support debtors in prison, it can also be used eventually to put credit card debtors in prison.
What does ability have to do with the actual cost of raising a child?