so preoccupied with whether or not they could, they didn't stop to think if they should.

The first time, I let it go. But now I'm really disturbed.

Rachel just got her 2nd credit card application in the mail. Rachel is in elementary school.

What's wrong with this picture?

I know we're a capitalistic society that depends on people spending money to keep things moving along, but are we so chomping at the bit that we're trying to suck 1st graders into the world of consumer debt?